Loan Rates
Use our auto loan calculator to estimate your monthly payments and find the right car for your budget.
Auto Rates and Terms (2018 & Newer)
| Terms | APR (2022 & Newer Models) | APR (2018 - 2021 Models) |
|---|---|---|
| 0-60 Months | 5.49% - 12.99% | 5.99% - 13.49% |
| 61-72 Months | 5.99% - 13.99% | 6.49% - 14.49% |
| 73-84 Months | 6.49% - 15.99% | 6.99% - 16.49% |
| 85-96 Months* | 7.24% - 8.99% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financed at 5.49% is $232.51 for each payment. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
*Specific requirements concerning min. loan amount, max. mileage, and loan-to-value (LTV) limits may apply. For more information, please consult a WEOKIE representative.
Auto Rates and Terms (2015 to 2017)
| Terms | APR (2015 to 2017) |
|---|---|
| 0-48 Months | 6.99% - 14.49% |
| 49-60 Months | 7.49% - 15.49% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financing at 6.99% would amount to a monthly payment of approximately $239.41 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
Super-Duty Trucks, Commercial Use Vehicles, and Classic Car
Rates and Terms (2018 & Newer)
( Super-duty refers to 3500, F350, etc. trucks)
| Terms | APR (2022 & Newer Models) | APR (2018 - 2021 Models) |
|---|---|---|
| 0 -72 Months | 6.49% - 14.49% | 6.99% - 14.99% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financing at 6.49% would amount to a monthly payment of approximately $237.10 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
Auto Rates and Terms (2018 & Newer)
| Terms | APR (2022 & Newer Models) | APR (2018 - 2021 Models) |
|---|---|---|
| 0-60 Months | 5.49% - 12.99% | 5.99% - 13.49% |
| 61-72 Months | 5.99% - 13.99% | 6.49% - 14.49% |
| 73-84 Months | 6.49% - 15.99% | 6.99% - 16.49% |
| 85-96 Months* | 7.24% - 8.99% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financed at 5.49% is $232.51 for each payment. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
*Specific requirements concerning min. loan amounts, max.mileage, and loan-to-value (LTV) limits may apply. For more information, please consult a WEOKIE representative.
RV and Boat Rates and Terms (2015 & Newer)
| Terms | APR (2022 & Newer Models) | APR (2015 to 2021) |
|---|---|---|
| 0-72 Months | 6.99% - 15.49% | 7.49% - 16.49% |
| 73-84 Months | 7.49% - 16.99% | 7.99% - 16.99% |
| 85-120 Months | 7.99% - 11.99% | 8.99% - 12.99% |
| 121-144 Months | 8.99% - 12.99% | 10.99% - 14.99% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financed at 6.99% would amount to a monthly payment of approximately $239.41 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
Motorcycle Rates and Terms (2018 & Newer)
| Terms | APR (2022 & Newer Models) | APR (2018 - 2021 Models) |
|---|---|---|
| 0-60 Months | 5.99% - 13.99% | 6.99% - 14.99% |
| 61-72 Months | 6.49% - 9.99% | 7.49% - 10.49% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financed at 5.99% approximately $234.80 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
Motorcycle Rates and Terms (2015 to 2017)
| Terms | APR (2015 to 2017) |
|---|---|
| 0-48 Months | 7.99% - 15.49% |
| 49-60 Months | 8.49% - 16.49% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Example: A $10,000.00 loan for 48 months financed at 7.99% would amount to a monthly payment of approximately $245.27 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 1/1/2025.
| Description | Terms | APR |
|---|---|---|
| Fast Cash/Personal/Signature Loans & Additional Secured Loans as listed (includes Autos, Heavy Duty Trucks, Commercial Use Vehicles, RVs, and Boats older than 10 years, Household goods, Farm Equipment, Etc.) |
0-12 Months | 10.99% - 17.99% |
| 13-36 Months | 11.99% - 17.99% | |
| 37-48 Months | 12.99% - 17.99% | |
| 49-60 Months | 13.99% - 17.99% | |
| Share Secured (100% Secured by Savings Account) | 0-180 Months | 3.99% |
| Certificate Secured (100% Secured by Certificate) | add 2.00% to the current certificates rate | |
| Storm Shelter Rates and Terms (Maximum Loan Amount = $8,500) | ||
| Members with minimum $10,000 WEOKIE Mortgage or Auto Loan | 0-24 months | 7.99% - 14.99% |
| All Others | 0-48 months | 9.99% - 16.99% |
APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Payment Examples: $5,000.00 Personal/Signature/Certificate Secured Loan/All other secured loans for 12 months financed at 10.99% would amount to a monthly payment of approximately $446.21 each. $5,000.00 Share Secured loan for 12 months financed at 3.99% would amount to a monthly payment of approximately $429.89 each. $8,500.00 Storm Shelter loan for 12 months financed at 7.99% would amount to a monthly payment of approximately $739.36 each. Information, rate, terms, and conditions are subject to change without notice and are not guaranteed. APR is accurate as of 11/1/2024.
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WE Are Investing In You
WEOKIE Has Given Back More Than
$31 Million
Total Amount WEOKIE Members Have Saved Since January 1, 2021.+
$3.1 Mil
Member Rewards
$11.2 Mil
Refinance Savings
$13.8 Mil
NSF Fee Savings
$2.8 Mil
Member Claims
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What’s the WEOKIE difference?
WEOKIE is a not-for-profit credit union, not a bank. That means that unlike a bank, which is focused on earning a profit for its stakeholders, we focus on returning our profits to our members by offering lower fees and lower interest rates.
When you join WEOKIE as a member, you become a part-owner of our credit union. In addition to great loan rates, you become eligible for exclusive discounts, financial education resources, and premier online banking services.
Another reason to finance your car with us is that we look beyond the numbers to the person filling out the application. We consider other factors beyond your current credit score when we review your application.