Car and Truck Loans

Vehicle Financing, Truck Loans, and Auto Loans

White Sands FCU makes low rate new and used vehicle loans, with refinancing also available.  We even offer loans for recreational vehicle loans(RVs), boat loans, motorcycle loans, ATV loans and jet ski loans. Rates are low and terms go up to 84 months.  

Some of the benefits of car financing at White Sands FCU include:

  • Our low rate loans translate to lower payments and less interest paid.
  • Take three months until your first monthly car payment is due
  • No setup fees or prepayment fees
  • Flexible terms -  up to 84 months on new car loans and up to 72 months on used auto loans
  • Loyalty Plus loan rate discount for repeat borrowers - 0.25% APR discount
  • Apply for your auto loan online and save time

Refinance your loan

Did you recently buy a car or truck and finance it with another lender?  Did you get the best deal on your car loan? When you do a refinance auto loan with White Sands FCU, it may lower your monthly loan payment with either a lower car loan rate or a better term.  White Sands FCU also allows members in good standing to skip their monthly auto loan payment up to two times each year.

Insurance and Protection Plans

Vehicle loans come with protection plans and insurance options. Credit Life and Disability insurance can help make your loan payments when you can't, and Guaranteed Asset Protection (GAP*) with PowerBuy™ can pay up to the remaining balance of your auto loan after an insurance payout.  Plus, GAP PowerBuy™ gives you additional funds to finance your next vehicle with us. With Major Mechanical Protection (MMP) you can protect yourself against the expense of future costly repairs.

Do you want to know if you can afford the payments on your dream car? Use our nifty auto loan payment calculator to estimate your monthly payment.

The application process is quick and simple. Ask for your credit union at the dealership, apply online, give us a call or visit one of our branch locations.

 

Apply Now!  |  Extended Vehicle Protection Plans |  Estimate monthly loan payment

 

New Auto Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Current and prior year, less up to 72 months3.50%3.25%
$30,000 and overup to 78 months3.75%3.50%
$35,000 and overup to 84 months4.25%4.00%

Used Auto Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 72 months3.75%3.50%

Boats, Jet Skis & Motorcycle Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Newup to 66 months8.00%7.75%
Usedup to 66 months8.50%8.25%

New Recreational Vehicle Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
 TermAPR* as low as APR* as low as - with Loyalty Plus
up to 84 months8.00%7.75%
85 - 120 months8.50%8.25%
121 - 144 months9.00%8.75%

Used Recreational Vehicle Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 84 months8.50%8.25%
85-120 months9.00%8.75%
121-144 months9.50%9.25%

*Rates and terms may vary. Subject to credit approval.

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.  Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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