Car Loans

Grab the Keys and Hit the Road to Your Automotive Dreams, We Got Shotgun!

Whether you are searching for a trusty vehicle to get you from point A to B or that flashy new ride, we have the auto loans and rates to help you get the perfect vehicle.


Step Into a New or Used Auto

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

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?

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 you are 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

Find the Value of the Vehicle

Don't 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

Get Pre-Approved

You can call, stop in your local branch, or apply online to get pre-approved.

New & Used Car Loan Rates

  • 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 require a maximum 20% down payment.

Effective Date: 7/26/2021 - 12:00 A.M. EST

Account Info
Term
APR
Payment Amount

New & Used Autos 2013 - Newer

12 to 60 Months

2.490%

$17.75/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2016 - Newer

61 to 72 Months

2.990%

$15.20/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2017 - Newer

73 to 84 Months

3.740%

$13.56/mo per $1,000 borrowed based on maximum term.

Used Autos No Model Year Limitation

12 to 48 Months

2.490%

$21.92/mo per $1,000 borrowed based on maximum term.

Cranking up the Volume on Coverage

The seatbelts and airbags for your loan

The GAP Advantage

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

What is GAP?

Guaranteed Asset Protection or 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 an 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 PurchasePurchase PriceOutstanding Loan BalanceDPW 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$5,5305,530

* 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.

* Restrictions apply, call for details

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

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
Mechanic Holding Wrenches
Circle icon with a hand waiting for money

Apply for a loan

24 hours/day!

Start Loan Process

You can also call our 24-Hour Loan Application Service to apply over the phone from the comfort of your own home. Just dial 1-800-227-2328 and a qualified loan expert will take your application for a Car Loan. Members receive a decision on their application within 24 hours over the phone. Reach out to us today!

You must become a Wildfire Credit Union member if you are approved and before the loan is finalized. Members can count on secure, safe, and fast consumer loan approval with Wildfire.

Estimate Your Monthly Car Payment

 

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