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New and Used Auto Loans

Looking for a new vehicle? Let us help! Gentleman with his new car.

Buying a new or used vehicle couldn't be easier than with one of our car loans! Saginaw, Midland, and Bay City, MI residents can depend on a great loan rate when buying or refinancing a vehicle, whether it's used or new.

Looking for a new vehicle? Let us help! Gentleman with his new car. Buying a new or used vehicle couldn't be easier than with one of our car loans! Saginaw, Midland, and Bay City, MI residents can depend on a great loan rate when buying or refinancing a vehicle, whether it's used or new.

We offer loans for the following timeframes.

3 Years (36 Months)
4 Years (48 Months)
5 Years (60 Months)

* Some Loans may even qualify for up to 7 Years (84 Months)

Shopping for a car outside of credit union office hours? No Problem! Now you can apply anytime with our 24-Hour Loan Application Service.

Check out our current auto loan rates and calculate your payment now.

Protect your loan with our Insurance Solution options.

Apply for a loan 24 Hours a Day!

Residents of Saginaw, Midland, Bay City, and the surrounding areas can count on secure, safe and fast consumer loan approval with Wildfire Credit Union. Apply online today! You must be a Wildfire Credit Union member.

Call our 24-Hour Loan Application Service to apply over the telephone by calling 1-800-227-2328. Qualified loan personnel are ready to answer questions and take your applications for car loans. Saginaw, Midland, and Bay City, MI, customers will receive answers on these loan applications the next business day, or in some cases, right over the phone. Contact us today for more information!

Closed End Consumer Loans
Effective Date: Friday, January 18th, 2019, 12:00am ET.
All rates listed are the Annual Percentage Rate (APR). Rates are based on the applicant(s) credit score. Rates are subject to change without notice. Call the credit union for current rates. Loans are based on credit approval. Credit Terms for loans secured by an Auto, Motorcycle, Recreational Vehicle, Boat, Motor Home or RV require a maximum 20% down payment.
Loan Type	Term	Rate	Payment Amount
New & Used Autos / Motorcycles 2011 - Newer	12 to 60 Months	As Low As 3.49%	$18.20/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2014 - Newer	61 to 72 Months	As Low As 3.74%	$15.54/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2015 - Newer	73 to 84 Months	As Low As 4.24%	$13.79/mo per $1,000 borrowed based on maximum term.
Used Autos / Motorcycles No Model Year Limitation	12 to 48 Months	As Low As 3.49%	$22.36/mo per $1,000 borrowed based on maximum term.
Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV	0 to 36 Months	As Low As 3.99%	$29.59/mo per $1,000 borrowed based on maximum term.
Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV	37 to 60 Months	As Low As 4.99%	$18.88/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's*	Up to 60 Months or 180 Months max with a 60 month balloon	As Low As 3.49%	$7.15/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	61 to 84 Months	As Low As 4.24%	$22.36/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	85 to 120 Months	As Low As 4.99%	$10.61/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	121 to 144 Months	As Low As 5.99%	$9.76/mo per $1,000 borrowed based on maximum term.
Other Non-Titled Purchased Goods	12 to 60 Months	As Low As 6.99%	$19.81/mo per $1,000 borrowed based on maximum term.
Other Secured/Unsecured Requests	12 to 60 Months	As Low As 8.99%	$20.76/mo per $1,000 borrowed based on maximum term.