Auto Loan
Financing for a new or used car, whether you are buying from a dealer. Decisions made locally.
Rates change. See Current Rates for today’s figures.
What a Waypoint Auto Loan Covers
An auto loan finances a car and is secured by the car itself, which is why the rate is usually lower than an unsecured personal loan. Waypoint lends on new and used vehicles, and you can borrow from a dealer lot.
What You Should Know
New or Used
Financing is available for both new and used vehicles, though rates and terms may vary.
Dealer Purchase
Buy from a dealership.
Secured by the Vehicle
The car is the collateral, which is what keeps the rate lower than an unsecured loan.
What to Have Ready
A Waypoint lender will look at your income, your credit, and the vehicle itself.
- The vehicle year, make, model, and mileage
- A purchase agreement or bill of sale (not required for a refinance)
Related Options
Insurance and Warranty
Waypoint offers extended warranty and GAP coverage. Ask a Waypoint Credit Union representative whether either makes sense for your purchase.
Current Rates
Auto Loan
As low as
5.49%APR²
Motorcycle & Powersport
As low as
7.49%APR²
RV, Boat & Camper
As low as
7.99%APR²
APR = Annual Percentage Rate. Rates effective 16 September 2026 and subject to change without notice. Your APR may differ based on credit history, collateral year, term, and loan to value. Not all applicants will qualify for the lowest rate.
Apply for a Vehicle LoanView all vehicle loan rates by model year and term
| Loan Type | Model Year | Term (Months) | APR As Low As |
|---|---|---|---|
| Auto Loan | 2025 & Newer | Up to 66 | 5.49% |
| Auto Loan | 2022 to 2024 | Up to 66 | 5.74% |
| Auto Loan | 2019 to 2021 | Up to 66 | 6.24% |
| Auto Loan | 2015 to 2018 | Up to 66 | 7.24% |
| Auto Loan | 2011 to 2014 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2025 & Newer | Up to 66 | 7.49% |
| Motorcycle & Powersport | 2022 to 2024 | Up to 66 | 7.74% |
| Motorcycle & Powersport | 2019 to 2021 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2015 to 2018 | Up to 66 | 9.24% |
| Motorcycle & Powersport | 2011 to 2014 | Up to 66 | 10.24% |
| RV & Camper | 2025 & Newer | Up to 72 | 7.99% |
| RV & Camper | 2022 to 2024 | Up to 72 | 8.24% |
| RV & Camper | 2019 to 2021 | Up to 72 | 8.74% |
| RV & Camper | 2015 to 2018 | Up to 72 | 9.74% |
| RV & Camper | 2011 to 2014 | Up to 72 | 10.74% |
Common Questions
No. Waypoint needs the vehicle details (year, make, model, and mileage) to complete an auto loan application, so approval happens alongside your vehicle choice rather than before it.
No. Waypoint currently finances vehicles purchased through a dealership only.
Talk it through with someone who lends here.
Local decisions. No obligation.
A short conversation before you apply tells you what you can realistically borrow and what it will cost in total. Book a time at any Waypoint branch, or start online and we will pick it up from there.
Important Disclosures
APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. Your APR may differ based on credit history, credit worthiness, collateral year, term of loan, loan to value, and fees that may constitute finance charges. Not all applicants will qualify for the lowest rate. Your actual APR will be included in the initial Truth in Lending disclosure.
Auto loan payment example: for a loan amount of $25,000 with an APR of 5.49% over a term of 66 months, the estimated monthly payment would be $439.71.
Motorcycle and powersport payment example: for a loan amount of $25,000 with an APR of 7.49% over a term of 66 months, the estimated monthly payment would be $463.31.
Recreational vehicle payment example: for a loan amount of $25,000 with an APR of 7.99% over a term of 72 months, the estimated monthly payment would be $438.21.