Vehicle Loans

Finance the ride of your life! Whether you’re buying your first car, boat, motorcycle or RV, we’ll help find the loan¹ that works best for you. Looking to upgrade or refinance? We’ve got you covered.

New & Used Auto

For low rates and fast turnaround on most vehicles.

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  • Pre-approval before heading to the dealership1
  • Finance up to 100% of the vehicle’s purchase price
  • Flexible payment options
  • Discounted rate with autopay from a Workers checking9

First-Time Buyers

For applicants with little to no credit and no co-signer.

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  • Minimum 10% down payment1,2,3
  • Employment and income verification required
  • List of 3 references
  • Discounted rate with autopay from a Workers checking9

RVs

For adventurers buying RVs, motorcycles, jet skis, and more!

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  • Buy new or used
  • Finance up to 100% of the purchase price1
  • Flexible payment options up to 120 months for RVs4
  • Discounted rate with autopay from a Workers checking9 

Refinance

Quickly refinance your existing loan to start saving.

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  • Shorter term to pay off your loan sooner
  • Easily apply online
  • Flexible payment options
  • Discounted rate with autopay from a Workers checking9

All Workers vehicle loan accounts give you access to:

 

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Convenient Online Payments

Pay your loan anytime from your online banking account or through the mobile app.
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Online and Mobile Banking

View accounts, check balances, setup ebilling and make a payment.5
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Route 66 Extended Warranty

Get peace of mind by extending your vehicle’s warranty.6
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Auto Insurance Options

Workers Insurance Agency provides customizable coverage with flexible payment options.7 Learn More
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Payment Protection

Contact us to add Payment Protection to your loan.8

Auto Insurance

Workers Insurance Agency provides customizable coverage with flexible payment options8.

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Resources

Research Your Next Vehicle

Find a dealer, research car options or calculate your monthly payments by visiting our Auto Smart partner site.

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Auto Loan Calculator

Estimate How Much Car You Can Afford

Use our calculator to make sure your new payment will fit into your budget. Enter your preferred monthly payment, down payment and any trade-in and we’ll tell you how much you should spend on car, including taxes and documentation fees.

Calculate Your Payment

1All Vehicle Loans: Annual Percentage Rate=APR. Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Other rates and terms available.  No down payment required unless otherwise noted.

2First-Time Buyer Loan: The APR for a first-time buyer loan is for models New to 2018: up to 48 months. Estimate does not include insurance. Required down payment as low as 10% (trade-ins can be presented as consideration for down payment).

3First-Time Buyer Loan: Mileage limit is 120,000 miles.

4Recreational Vehicle Loans: The APR for an RV loan is  for . The monthly payment per $1,000 borrowed is . Estimate does not include insurance. RV loan terms may under certain conditions extend up to a term of up to 120 months.

5Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

6Route 66 offers mechanical breakdown coverage and emergency roadside service throughout the life of the contract. Service agreements protected with front-line insurance by Assurant Solutions (American Bankers Insurance Company). Not bonds, not RRG, not a stop loss. Contract starts the day purchased. For more information visit Route 66 online.

7Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a CUSO of Workers Credit Union are: NOT A DEPOSIT NOT INSURED, NOT NCUA INSURED, NOT MSIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT INSURED OR GUARANTEED BY THE CREDIT UNION OR AFFLIATES. MAY LOSE VALUE. SUBJECT TO INVESTMENT RISK INCLUDING POSSIBLE LOSS OF PRINCIPAL INVESTED. 

8Cost of Payment Protection is based on your loan amount and chosen add-ons. This service helps cover the cost of your loan should you be unable to pay due to unemployment, disability, or death. Please contact us for details.

9APR includes a .500% discount for automatic payments from any Workers Checking Account. Minimum to open a Workers Checking Account is $5. If automatic payments from a Workers Checking Account  cease at any time, for any reason, the .500% discount will be forfeited, which will result in an immediate increase in rate and monthly payment. Once the .500% discount is forfeited, it is forfeited for the life of the loan. Other rates and terms are available. Visit our rates page for all available rates and terms