Vehicle Loans

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.

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.

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. Advertised rates may not be combined with any other discounts.

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. Advertised rates may not be combined with any other discounts.

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