Auto Loans

Shopping for a new car? Start here!

We’re more than just your ‘bank,' we’re your co-pilot on your financial road trip.

As a credit union, we’re not here for profit — we’re here for you, and we have your best interest at heart! Our low rates and flexible terms can accommodate any budget, and we have auto loan programs for every buyer.

Whether you’re thinking about buying a new car or you’d like to find out if we can save you money on your current auto loan, our auto loan guide will walk you through the process. From research to financing options to insurance, our goal is to help you reach your financial goals.

Get started now! Just click below.

Research

To ensure you are getting a fair price, it’s important to do your homework first! Get started here.

AutoSMART 

Your one-stop shop! Search for vehicles online or find a dealer near you. You can even get pre-approved for financing. 
Visit AutoSMART now.

Kelley Blue Book

Refer to KBB car price values when buying and selling any new or used vehicles. KBB is trusted by consumers and the automotive industry since 1926. 
Visit Kelley Blue book online now. 

Loan Calculator 

Put away the paper and pencil — our auto loan calculator will crunch the numbers for you. See your monthly payment here.

Use the loan calculator.

Find My Car

You've got a price and budget in mind. It's time to find the perfect car and get the best deal possible.

AutoCash Preferred Dealerships

Get incented when you shop at one of our preferred dealerships and finance with WestStar Credit Union. You’ll get a $20 gas card just for test driving at one of these participating locations, and a $50 gift card when you finance with WestStar!


Enterprise Car Sales 

Find a quality certified used car at competitive used card prices from Enterprise Car Sales1.

Enterprise Car Sales.

1Used vehicles previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.

WestStar Credit Union does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties.
Get My Loan

So, you’ve either found the perfect set of wheels, or you’re looking for a more perfect loan. Now it's time to get the right financing.

Traditional Financing

If you’re looking for a straightforward loan to purchase or refinance your car, look no further. Take advantage of traditional financing with a wide range of terms customizable for your unique needs.

  • Competitive low rates on new or used vehicles
  • Flexible terms from 36 months up to 84 months
  • Get pre-approved for extra bargaining power at the dealership
  • Refinance your current vehicle to see if you can lower your rate or your monthly payment
  • Local decision-making and processing

If you typically trade-in your car every few years, or you’ve got your eye on a car that’s a little outside of your budget, check out our Driving Sense program below.

Apply Now


First Time Buyers

Are you ready to buy and finance your first car? If you’ve never financed a car before, it can be intimidating, but it doesn’t have to be. We’re glad you stopped here first, our First Time Car Buyer Program is designed for those who have little to no credit and are ready to finance their first car loan.

This loan comes with competitive rates, manageable terms and is an excellent way to help establish a credit history. If you’ve been employed for at least one year, you could qualify for your first car loan up to $15,000 with low affordable monthly payments. There’s no fee to apply, and you can apply online right now.

  • No loan application fee; no pre-payment penalties
  • Must be 18 and able to repay the loan
  • Must be eligible for credit union membership
  • Must be employed for at least one year; a co-signer will be required
  • No derogatory credit may be present
  • Requires income and other stipulations to qualify

Contact Us


Driving Sense

If you like to buy a new car every few years or the car of your dreams is a tad outside of your budget, and leasing a car doesn’t appeal to you, we have the perfect alternative. The Driving Sense program gives you the flexibility of traditional financing, and the low cost of leasing – without a down payment.

Using predictive future-value modeling, we calculate your monthly payment based on the amount of time you plan on keeping the vehicle. So, you’re only financing the difference between the current value of the car, and the value it will have when you plan to trade it in down the road. When your term is up – you can trade the vehicle in, you can purchase it, or you can walk away.2

With Driving Sense, you can get the car and the flexibility you want with a low monthly payment that fits comfortably into your budget. Curious what the Driving Sense payment would be on your next car?

Contact Us

2Mileage options apply only if you return vehicle at program end. Other fees and conditions may apply.

Protect My Car

You've got your dream car. Let's make sure it stays that way!

TruStage Auto Insurance

Exclusively for credit union members like you, the TruStage Auto Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Learn More


GAP Advantage

Guaranteed Asset Protection (GAP) pays the difference between the actual cash value of your vehicle, which is determined by your primary insurance company, and the unpaid balance that is owed. The cost of GAP Advantage can be added to your auto loan at the time of purchase or at any time during your loan.

Learn More


Major Mechanical Breakdown Protection

You never plan on your car breaking down on you, but you can be prepared. Major Mechanical Protection (MMP) can cover your unexpected costs, when you need it the most. 

Learn More


Member’s Assurance Plus Debt Protection

Help safeguard your loan with Member’s Assurance Plus Debt Protection.* With this service, fees are based on a group rate and you buy only enough protection to cover your loan balance.3

Learn More

3Your purchase of Member's Assurance Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Member's Assurance Plus.

DPGAP-1111-716B

We'll help you speed through the paperwork.