Lenders
Credit union
Westerly Community Credit Union
Rhode Island · Headquarters Rhode Island
Live or work in Washington County, RI, and nearby communities (branches in Westerly, Richmond, Wakefield, and Coventry)
Rate page on westerlyccu.com
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
5.49%
with autopay
as low as APR
Credit union · New · 36 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026 · Source westerlyccu.com
5.49%
with autopay
as low as APR
Credit union · Used · 36 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
Checked Nov 10, 2026 · Source westerlyccu.com
5.49%
with autopay
as low as APR
Credit union · New · 48 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026 · Source westerlyccu.com
5.49%
with autopay
as low as APR
Credit union · Used · 48 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
Checked Nov 10, 2026 · Source westerlyccu.com
5.49%
with autopay
as low as APR
Credit union · Used · 48 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2018-2020. Max LTV 100%.
Checked Nov 10, 2026 · Source westerlyccu.com
5.99%
with autopay
as low as APR
Credit union · New · 60 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026 · Source westerlyccu.com
5.99%
with autopay
as low as APR
Credit union · Used · 60 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2021-2025.
Checked Nov 10, 2026 · Source westerlyccu.com
6.99%
with autopay
as low as APR
Credit union · New · 72 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026 · Source westerlyccu.com
6.99%
with autopay
as low as APR
Credit union · Used · 72 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2023 and newer; only a 6-year term is shown in this table.
Checked Nov 10, 2026 · Source westerlyccu.com
8.49%
with autopay
as low as APR
Credit union · Used · 60 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2018-2020. Max LTV 100%.
Checked Nov 10, 2026 · Source westerlyccu.com
8.49%
with autopay
as low as APR
Credit union · New · 84 months
Rhode Island
Minimum loan $25,000.
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026 · Source westerlyccu.com
8.99%
with autopay
as low as APR
Credit union · New · 96 months
Rhode Island
Minimum loan $40,000.
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer. 8-year term.
Checked Nov 10, 2026 · Source westerlyccu.com
9.99%
with autopay
as low as APR
Credit union · Used · 48 months
Rhode Island
What the lender published
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. Used auto loans, 2011-2017. Max LTV 90%.
Checked Nov 10, 2026 · Source westerlyccu.com
