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Home > Loans & Credit Cards > Auto Loans

Auto loan

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

Start Auto Loan ApplicationAuto Loan Products

Step into a New or Used Auto

Let Wildfire help you find that vehicle that fits your needs and budget.

Step 1: Ask Yourself the Following Questions

  • What type of vehicle am I looking for?
  • What type of monthly payment do I want?
  • How much would this vehicle cost to own?

Step 2: Do Your Research

When choosing a vehicle be sure to check the vehicle's history. Dealerships typically offer free vehicle history reports via Carfax or AutoCheck. However, if purchasing from a private party we suggest getting a history report. A history report will give you information such as the number of owners, title history, reported accidents and damages, mileage, and vehicle maintenance history.

Helpful Links: Carfax | AutoCheck

Step 3: Find the Value of the Vehicle

Do you know what the vehicle is worth? No worries, there are many great websites that will help with finding the value of the vehicle.

Helpful Links: Nada Guides | Kelly Blue Book

Step 4: Get Pre-Approved

Here are 3 ways to get pre-approved for an auto loan.

Apply Online

Apply Online

 

Call Us

989-249-8200

Stop by a Branch

View Locations

Rates & Terms

12 to 60 Months

As low as
3.24%
APR

61 to 72 Months

As low as
3.49%
APR

 

73 to 84 Months

As low as
4.49%
APR

12 to 48 Months

As low as
3.24%
APR

 

Estimate your monthly car payment

 

Additional Products For You

The GAP Advantage

Closing the gap in protecting your current and future vehicle investment.

What is GAP?

Guaranteed Asset Protection also referred to as GAP takes care of your remaining loan balance, protecting you, the borrower, from the burden of paying off the amount still owed. The GAP settlement may include your insurance deductible up to $1,000.

What Does GAP Cover?

In the unfortunate event of an accident or theft of your vehicle in which your insurer deems it a total loss, GAP would cover the following.

  • The remaining balance of your loan not covered by insurance
  • $1,000 towards the financing of a replacement vehicle if financed through Wildfire

How GAP Works

Original purchase price

$25,000

Remaining loan balance after accident/theft

$20,000

Your insurance settlement will only pay you

$16,000


Without GAP

Your remaining unpaid loan balance (the "gap")

(Including your deductible, up to $1,000)

$4,000


Total GAP Advantage

GAP waives the difference

$4,000

GAP Advantage also provides you with the following toward the financing of a replacement vehicle

$1,000


Benefit

$5,000

Depreciation Protection

If your vehicle is ever totaled or stolen and not recovered at anytime over the term of your loan the Depreciation Protection Waiver (DPW) will roll on up to help you out by protecting the positive equity in your vehicle.

DPW is Perfect if You:

  • Put money down or have equity in your vehicle.
  • Make accelerated loan payments.
  • Want protection from vehicle depreciation.
  • Desire peace of mind knowing the money you invested could be protected.

DPW Benefits:

  • Life of loan protection.
  • No mileage, make/model, or vehicle year restrictions.
  • Open enrollment.
  • 100% refundable for the first 60 days.
  • Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding loan balance if you die in an accident.

DPW Fast Facts:

  • Cost of Depreciation: New vehicles lose as average of $15,000 in value during the first five years of ownership.
  • Average Annual Depreciation Cost: The average cost for a small SUV is $2,840 a year (AAA, “Your Driving Costs”).

How it Works:

Depreciation Protection will waive some or all of your loan balance in the event that you lose your vehicle.

The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time you purchased DPW, less the amount of your total loan balance at the time you lose your vehicle*. Check out the chart below for an example!

Time Since Purchase Purchase Price Outstanding Loan Balance DPW Benefit at Total Loss
Brand New $30,000 $28,500 $1,500
Six Months $30,000 $26,681 $3,319
One Year $30,000 $24,469 $5,531
Three Years $30,000 $15,282 $10,000**
Five Years $30,000 $5,530 5,530

* The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total vehicle loss.

** The Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. The $10,000 Waiver Benefit applies here because waiver amount will not exceed the lesser of the maximum amount listed in the waiver addendum or outstanding loan balance at total loss.

Credit Life & Disability Insurance*

Life is wonderful, but it can get complicated at times when unexpected obstacles come up. Protecting your loan payments against unexpected and covered life events and disability could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

Beyond Protection

  • Simple to apply

  • Designed to fit your lifestyle

  • Coverage that fits your loan

  • Totally voluntary

  • Won't affect your loan approval

  • Sign up for credit insurance at your loan closing, or anytime you like

* Restrictions apply, call for details

Mechanical Repair Coverage

Protect yourself from the unexpected costs of an auto repair. Mechanical repair coverage (MRC) can help you limit the cost of any covered breakdowns. Get MRC today so you can worry a little less tomorrow.

Learn about MRC

Save with Certificate of Deposits

Rates:

New & Used Auto & Motorcycle Loan Rates
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Loan TypeTermRate As Low AsPayment Amount
New & Used Autos / Motorcycles 2011 - Newer 12 to 60 Months 3.24% $18.08/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2014 - Newer 61 to 72 Months 3.49% $15.42/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2015 - Newer 73 to 84 Months 4.49% $13.90/mo per $1,000 borrowed based on maximum term.
Used Autos / Motorcycles No Model Year Limitation 12 to 48 Months 3.24% $22.25/mo per $1,000 borrowed based on maximum term.
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 or Motorcycle require a maximum 20% down payment.

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If you are having issues using this website, please call 1-800-227-2328 for assistance.