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Wescom Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 24 November 2023
Fact checked

Wescom Credit Union auto loans overview

Wescom Credit Union logo

Wescom Credit Union started in 1934 and now boasts 24 branches throughout South Carolina counties. Through Wescom, members can secure competitive auto loans with long repayment terms, quick approval, and rate discounts. Plus, Wescom offers convenient car-buying services and optional GAP and auto insurance.

Want to see what a Wescom auto loan will cost? Try the Wescom Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Wescom Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 125%.
  • Interest rates: From 6.24% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates when financing electric and hybrid vehicles and insuring vehicles with Wescom.

WESCOM CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Wescom Credit Union provides auto financing for both pre-owned and new vehicles. You may finance up to 125%, and repayment terms can extend up to 84 months. For 2019 and newer model years, rates can be as low as 6.24% APR. Then, 2014 to 2018 models start at 6.74% APR, while 2004 to 2013 vehicles begin at 7.49% APR.

Wescom Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Wescom Credit Union

Wescom Credit Union auto loan

Wescom Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Wescom Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Wescom auto loan

Eligibility criteria

Even if Wescom Credit Union doesn’t specify the requirements for financing, you usually need to be:

  • A Wescom Credit Union member
  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

Keep in mind that loans are subject to credit and income approval. So, to secure the best rates possible, check your credit score. Then, try to build your credit to become more qualified.

How to join Wescom Credit Union

Wescom membership is open to anyone who meets one of the following:

  • Lives, works, worships, or attends school in Southern California counties (including Los Angeles, Orange, San Bernardino, Riverside, San Diego, Santa Barbara, Ventura, and Imperial)
  • UCLA alumnus
  • Family member of a Wescom Credit Union member
  • Affiliated with or supports UCLA

What you’ll need to have ready

Personal details

When you apply for auto financing with Wescom Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Wescom with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you’re refinancing your existing loan, you may need to prepare more. For example, Wescom may ask for your current loan statement and proof of insurance. You may also need to know the current mileage on your vehicle. Having these details ahead can make your application go easier and faster.

Ways to apply for a Wescom auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-493-7266

Additional Wescom Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.50% APR discount for insuring with Wescom and 0.25% APR discount for financing electric and hybrid vehicles.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of payment due.
  • Prepayment penalty: None.
  • Ways to repay: Online banking, mobile app, over the phone, in person, and via mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible loan terms.
  • Up to 125% financing.
  • 0.50% APR discount for insuring vehicles with Wescom.
  • 0.25% APR discount for financing electric and hybrid vehicles.
  • No prepayment penalty.
  • Quick loan approval.
  • Easy online application.
  • Pre-approval available.
  • Convenient car-buying service.
  • No payments for up to 90 days.
  • Optional GAP and auto insurance offered.

Cons

  • Membership required.
  • 5% late payment fee.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does Wescom charge on auto loans?

Wescom’s auto loans start as low as 6.24% APR. Remember though that your rate will depend on several factors, like your vehicle year, term, loan amount, and more.

Are there discounts available on Wescom Credit Union vehicle loans?

You may get a 0.50% rate discount when insuring your vehicle with Wescom and a 0.25% discount for financing electric and hybrid cars.

What is the maximum length of a Wescom car loan?

You can choose terms of up to 84 months.

How much do I qualify for with a Wescom Credit Union auto loan?

Wescom offers up to 125% financing, including tax, license, and extended warranty.

How long does a Wescom vehicle loan take to be approved?

You can get approved for a car loan in 1 business day.

Where can I apply for a Wescom Credit Union car loan?

You can apply for a Wescom auto loan online, over the phone, or in a branch.

How many pay slips does Wescom require during my auto loan application?

Though the credit union doesn’t disclose the exact requirements, you commonly need your 2 most recent pay stubs.

Video: Not a bank, a credit union

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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