Auto Loan

Give yourself some credit with a
Wings Auto Loan.

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Already a Member? Apply Within Digital Banking

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Simplify your car shopping experience.

Get pre-approved for a Wings auto loan today and shop with confidence, knowing how much you can spend on your new vehicle. We make it easy to apply online, in the Wings Mobile App or over the phone. New, used or refinanced, we can help you fund the vehicle of your dreams.

New, Used, or Refinanced

Get affordable financing for cars, trucks, vans and SUVs. Have a higher rate somewhere else? Bring it to Wings and see how much lower your monthly payments could be.

Money-Saving Rates

Since Wings is not-for-profit, members save with highly competitive rates.

Terms Up to 84 Months

Flexible terms give you a monthly payment that works for your budget. Choose a shorter term to avoid paying more interest, or a longer term for lower monthly payments.  

Refinance and save.

Have a higher rate somewhere else? Refinance with Wings to see how much lower your monthly payments could be. When you’re ready to apply, our simple online application can get you saving in less than 5 minutes. 

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Turn Member Rewards points into extra savings.

Redeem Member Rewards points to reduce your loan rate by 0.50% on a new or refinanced Wings vehicle loan.

Reduce Your Loan Rate

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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.
View All Rates Apply for an Auto Loan

Stress-free car buying starts here.

The Wings Auto Resource Center is a powerful research and buying tool that makes it easy to shop and compare vehicles, research car values and history, request vehicle quotes, and apply for a car loan.

Visit the Auto Resource Center

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Let us help you get the financing you need.

We make it easy to apply for an auto loan. Apply today using our simple, online application and a loan representative will work with you to finalize your loan.

Apply Now

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