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* APR = Annual Percentage Rate. Vehicles must be 2007 or newer to qualify. Offer is subject to credit approval, loan to value qualifications and available for a limited time. Terms up to 72 months with a minimum term of 12 months. A $250 refinance fee will be charged to any loan owned by Western Vista FCU.

** Ribbit Rebate - Subject to purchase of a vehicle from any auto dealership, loan must be closed at Western Vista. Rebate amount is calculated as a percentage of the purchase price of the vehicle. Rebate will be given as payment to primary membership share account, these funds will be immediately available. Condition of the incentive is that the loan remain open for a minimum of 24 months.

Right now you can get a great rate on your next Auto Loan.
Save time and money by applying Online.

CU Auto Online.

is your personal online connection for information to help in the purchase of your next vehicle.
 
Financing your next vehicle with Western Vista can put you in control of the buying process! Save hundreds, even thousands of dollars, by having the right information when you need it. Our Member Service Representatives will give you fast, professional and personalized service. But more important - you can trust us to help you get the best deal on your new vehicle.

1. Obtain Pre-Approved Financing
we can pre-approve you before you even begin looking for a vehicle. This increases your purchasing power and you'll understand the type of vehicle you can purchase with the payment amount you'd expect. Click on the application button on the left to get started today. 

2. Check out our current new, used, and recreational vehicle rates
when you finance your vehicle at your Credit Union you can rest assured that you are borrowing at some of the lowest rates around. Click on the rates button on the left to see todays rates.

3. Calculate Payments
once you know how much you can afford to spend, use our payment calculators to decide the term that best fits your budget. Click on the caluclator button on the left to find out your paments.

4. Know the value of the vehicle you are buying
Give us a call and we'll give you a value on the vehicle you're interested in or

Click here to link to NADA where you can obtain the value yourself. 

5. Dealership Relationships
Western Vista has built relationships with most major auto dealerships in Wyoming and some in northern Colorado. This means you can shop for your vehicle and close the deal right at the dealership with Credit Union financing!  If you are not a member yet but are qualified to become one, you can also sign up for membership at the dealership when you apply for your loan. Click here to see a list of current Vehicle Dealerships and their contact information.

6. Go shopping for your dream vehicle...but be careful out there!
By knowing how much you want to pay for your vehicle, how much your payments and interest rate will be, and that you are pre-approved for Credit Union financing you can negotiate your auto deal with confidence.

Do beware of the heavily advertised 0% to 1.9% APR dealer rates. Not only do these special rates most often require 12 to 24 month repayment plans (meaning a sky-high monthly payment for you), they also prohibit you from taking any rebate offer.

By taking the dealer rebate and applying it to the cost of the vehicle, you are reducing the amount you are financing.  Combined with your low Credit Union rate your overall costs are lower than if you had financed at the lower rate.  You save money and come out the winner!

7. Refinancing Options
If you have an existing auto loan with a high interest rate you might benefit from refinancing with a new loan from Western Vista FCU. Determine how much you owe on the vehicle, what rate you are paying now, the existing term and then re-calculate your payment at the current low rate.

8. Credit & Collateral Protection Plans
Your Credit Union offers several vehicle insurance/protection plans such as Mechanical Breakdown Insurance, Guaranteed Auto Protection,  Credit Life and Disability. Our plans are affordable and designed to protect our members in the event of unforeseeable death or vehicle losses. Ask a Member Service Representative to quote your payment with these low cost protection plans for your peace of mind.

 
9.  Apply onine today

If you have done your homework and are ready to buy your dream vehicle, simply complete the online application in the left column. You will be contacted by a Member Service Representative if additional information is needed or when your loan is approved!