AUTO REFINANCING
Pocket the savings with a lower car payment.
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See how much you could save with Wings.
Why pay more than you need to on an auto loan? Refinance with Wings to enjoy low monthly payments, friendly personal service and easy account management online or via our mobile app.
Money-Saving
Rates
Since Wings is not-for-profit, members save with highly competitive rates.
Flexible Term Options
Flexible terms give you a monthly payment that works for your budget.
Simple Online Application
Our simplified application can get you saving in less than 5 minutes.
Auto Loan Rates
| Model Year: 2022 & Newer | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 5.50% | $30.20 |
| 48 Month Term | 6.00% | $23.49 |
| 60 Month Term | 6.24% | $19.44 |
| 72 Month Term | 6.40% | $16.76 |
| 84 Month Term | 6.50% | $14.85 |
| Model Year: 2021 - 2017 | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 5.99% | $30.42 |
| 48 Month Term | 6.35% | $23.65 |
| 60 Month Term | 6.44% | $19.54 |
| 72 Month Term | 6.60% | $16.86 |
| Model Year: 2016 & Older | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 6.80% | $30.79 |
| 48 Month Term | 7.30% | $24.09 |
| 60 Month Term | 7.84% | $20.20 |
1APR = Annual Percentage Rate. Rates effective as of November 20, 2024 and subject to change without notice. The rate will be determined by the rate in effect on the day the loan is funded.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Auto loan rates assume loan-to-value (LTV) of less than 75% including other financed products (GAP, mechanical repair coverage). If LTV is between 75% and 109.99%, add 0.50%. If LTV is above 109.99%, add 1.0%. Additionally, rates assume a 0.50% discount for payroll direct deposit(s) totaling $1,000 or more into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Auto loan rates assume loan-to-value (LTV) of less than 75% including other financed products (GAP, mechanical repair coverage). If LTV is between 75% and 109.99%, add 0.50%. If LTV is above 109.99%, add 1.0%. Additionally, rates assume a 0.50% discount for payroll direct deposit(s) totaling $1,000 or more into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.