Vehicle Loans

Wayne County Community Federal Credit Union is known for being one of the best sources for automobile loans in the area, and we also specialize in refinancing auto loans from other lenders. Often, due to better rates, longer terms, lower interest rates and our not-for-profit structure, we can put you in a loan with a better payment than you would find anywhere else.


We use "Risk Based Pricing" for our loans, so those borrowers with great credit are rewarded with premium loan rates. We can also usually accommodate those with some bumps in their credit with rates and terms that are very competitive as well. There are several factors that go into the mix for your particular situation, so we encourage you to talk with us to discuss how we can best serve you. We try to look beyond the credit score when possible, and work with you on an individual basis. 

Borrowers must be 18 years of age or older to sign on a vehicle loan. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. No autos with "salvage" or "rebuilt" titles. Cosigners may be needed in some situations, and the cosigner must be eligible for membership, have a credit score of 650 or higher, and qualify based on other conditions. Vehicles used primarily as "for hire" transport, such as Uber, Lyft or on-demand transport, will not qualify for financing. Borrowers may add up to 6 months to the term to assist financing of Route 66 Vehicle Warranty from WCCFCU.