Burn rubber, not cash
Once you pick out a car, truck, SUV or motorcycle, you're ready to hit the road. That's why Westerly Community Credit Union has fine-tuned a fast, straightforward loan approval process designed to help you save time and money — without the stress.
Finance with confidence knowing you’re working with a local credit union that puts your needs first.
- Auto Loan Rates as low as 3.99% APR* – Purchase or refinance and save more. *View Rates
- No payments for 60 days – Keep more cash in your pocket while you settle into your new vehicle
- Easy to apply - Apply in minutes and get approved online before you shop
Vehicle Protection Options for Added Peace of Mind
You can protect your vehicle with affordable GAP Advantage and Mechanical Breakdown Protection policies.GAP Advantage Protection
Helps cover the "gap" between your vehicle's value and the amount you owe if your vehicle is damaged beyond repair or stolen. You can also get a $1,000 credit toward the financing of a replacement vehicle if financed with the same financial institution.
Learn More
Mechanical Breakdown Protection
Provides coverage after your vehicle's manufacturer’s warranty expires. It covers a wide range of parts and repairs, car rentals, emergency roadside assistance and travel expenses.
Learn More
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Refinance
Motorcycle Loan Purchase
FAQs
Auto Loan Purchase
Auto Loan Refinance
Motorcycle Loan Purchase
Refinance documentation required:
- 20 day pay off letter from current lender.
- Copy of the Registration – used for VIN verification.
- Insurance Binder (Request from Insurance company after loan approval)
- Requires a $500 Deductible
- Lien Holder: Westerly Community Credit Union, Wakefield, RI 02879
- Notarized Title Application
- Title application fee (varies by state)
Dealer Purchase:
- Purchase and Sales agreement – signed by the applicant
- Insurance Binder (Request from Insurance company after loan approval)
- Requires a $500 Deductible
- Lien Holder: Westerly Community Credit Union, Wakefield, RI 02879
Refinance:
- 20 day pay off letter from current lender.
- Copy of the Registration – used for VIN verification.
- Insurance Binder (Request from Insurance company after loan approval)
- Requires a $500 Deductible
- Lien Holder: Westerly Community Credit Union, Wakefield, RI 02879
- Notarized Title Application
- Title application fee (varies by state)
Lease Buy-Out:
- Insurance Binder (Request from Insurance company after loan approval)
- Requires a $500 Deductible
- Lien Holder: Westerly Community Credit Union, Wakefield, RI 02879
- Buyout Package/Purchase and Sales Agreement (The dealership will provide the documentation)
- Copy of Odometer statement.
- Copy of the Registration for VIN verification.
- NOTE: You will need to schedule an appointment with the DMV ASAP since appointments can be out as far as 6-8 weeks, which is when the title needs to be returned to WCCU.
Private Sale:
- Notarized Bill of Sale – document layouts/process can be found online; can be notarized by anyone.
- Copy of the Vehicle Title, front and back.
- NOTE: You will need to schedule an appointment with the DMV ASAP since appointments can be out as far as 6-8 weeks, which is when the title needs to be returned to WCCU.
- Insurance Binder (Request from Insurance company after loan approval)
- $500 Deductible
- Lien Holder: Westerly Community Credit Union, Wakefield, RI 02879
- $40 Vendor Single Interest insurance fee (VSI) - protects WCCU in the event that the vehicle is damaged or destroyed.
- Title Application Fee (varies per state)
- There are NO application fees.
- There are NO early payoff penalty fees.
Vendor Single Interest (VSI) Insurance protects lenders in the event that the vehicle is damaged or destroyed.
- eBanking
- Loan Pay Xpress
- At a Branch
- Contact Center (401.596.7000)
Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.
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