Auto Loans Drive Toward Your Goals-With Confidence
At WorthCU, we make it easy to get behind the wheel with auto loans designed to fit your life and your budget. Whether you're shopping for a brand-new ride or a reliable used car, our flexible financing options, competitive rates as low as 3.99%*, and valuable rate discounts help you buy smart-and save more.
New Autos
Looking for a new car? With 100% financing and zero down, you can cover the full cost—including tax, title, registration, and the manufacturer’s extended warranty. Our competitive rates and flexible terms make it easy to get the car you want. Get pre-approved to shop confidently, know your budget, and negotiate the best deal possible.
Used Autos
Get behind the wheel of a new-to-you car with financing up to 130% of the NADA trade-in value. Take advantage of competitive rates and flexible terms, plus enjoy 0.25% off your rate when you set up automatic payroll deduction. Financing has never been simpler, making it easy to drive away in the car you want—without the stress.
Our Services
Choose WorthCU for your auto loan and enjoy competitive rates, flexible terms, and unbeatable value. Whether you're buying new or used, we offer up to 100% financing on new cars and up to 130% of NADA value on used vehicles. Plus, you can save even more with rate discounts for payroll deduction, direct deposit, and low loan-to-value ratios. We also finance recreational vehicles like boats, RV's and motorcycles-making WorthCU your trusted partner for all your vehicle financing needs.
Your New Ride Starts Here
Apply NowAuto Loan Rates
| Autos | Annual Percentage Rate | With Benefits Checking Account* | Maximum Term |
| 2027 - 2024 | 4.99% - 12.24% | 4.49% - 11.74% ( 0.50% discount ) | 90 months |
| 2023 - 2019 | 5.24% - 12.04% | 4.99% - 11.54% ( 0.50% discount ) | 78 months |
| 2018 & Older | 7.49% - 14.49% | 6.99% - 13.99% ( 0.50% discount ) | 48 months |
Current Rate Discounts
- Take Advantage of our current rate discounts for rates as low as 3.99% APR*
- Payroll Paid Payment Discount= 0.25%*
- Benefits Checking Discount 0.50%*
- LTV (Loan to Value) <90% Discount 0.25%*
- *APR = Annual Percentage Rate. Rates as low as 3.99% APR are available on qualifying new and used auto loans and are subject to credit approval. Your rate and terms may vary based on creditworthiness, vehicle, loan amount, loan term, and other underwriting factors. First payment may be deferred for up to 90 days from loan funding. Interest begins accruing on the funding date, and deferring the first payment may increase the total interest paid over the life of the loan. Membership eligibility required. Offer subject to change.
Why WorthCU Auto Loans Go the Extra Mile:
- Zero Down on New Cars - Finance 100%, including taxes and warranty, with no upfront cost.
- Extra Value for used Cars - Borrow up to 130% of the NADA trade value.
- Built-In Savings - Get rate discounts for payroll deduction, direct deposit, ad low LTV.
- Pre-Approval Power - Shop with confidence and negotiate like a cash buyer.
- Fun Financing Options - Great Rates for motorcycle, boats, and RVs, too.
Bring Your Auto Loan to Us—It's Easy
Move My LoanAuto Buying Tips
Make your next vehicle purchase easier and smarter with these helpful tips:
- Do Your Research: Compare car prices and, for used cars, get a CARFAX report.
- Shop for Financing: Know your budget and explore loan options—WorthCU offers terms up to 72 months to help lower monthly payments.
- Get Pre-Approved: Contact WorthCU to get pre-approved and negotiate with confidence.
- Compare Warranties: Shop around for extended warranties and understand how they work with existing manufacturer coverage.
- Visit Multiple Dealers: Don’t settle—check several dealers and watch out for high-pressure sales tactics.
- Take Your Time: Walk away if you feel rushed. Never sign on your first visit.
- Get It in Writing: Ensure all promises are in the contract before signing, and always keep copies of everything you sign.
