Credit union · NCUA insured
Wave Federal Credit Union Auto Loan Rates
Wave Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Wave Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Wave Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wave Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New Auto Rates
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
Wave Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wave Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle/Scooters New
Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49% | Term 4 Years. Repayment example $23.72 per $1,000 borrowed. |
| up to 60 months | 6.75% | Term 5 Years. Repayment example $19.70 per $1,000 borrowed. |
Sources (1)
- wavefcu.org/rates · captured Oct 15, 2026
Motorcycle/Scooters Used
Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Term 3 Years. Repayment example $30.88 per $1,000 borrowed. |
| up to 48 months | 6.99% | Term 4 Years. Repayment example $23.96 per $1,000 borrowed. |
Sources (1)
- wavefcu.org/rates · captured Oct 15, 2026
New Auto Rates
Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Up to 100% financing available. Membership eligibility required. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Term 3 Years. Repayment example $29.86 per $1,000 borrowed. |
| up to 48 months | 4.99% | Term 4 Years. Repayment example $22.94 per $1,000 borrowed. |
| up to 60 months | 4.99% | Term 5 Years. Repayment example $18.88 per $1,000 borrowed. |
| up to 72 months | 5.49% | Term 6 Years. Repayment example $16.34 per $1,000 borrowed. |
| up to 84 months | 6.49% | Term 7 Years. Repayment example $14.86 per $1,000 borrowed. |
Used Auto Rates: Models 2011-2019
For used vehicle models 2011-2019. Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Up to 100% financing available. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.29% | Term 3 Years. Repayment example $30.84 per $1,000 borrowed. |
| up to 48 months | 7.29% | Term 4 Years. Repayment example $23.94 per $1,000 borrowed. |
Used Auto Rates: Models 2020-2022
For used vehicle models 2020-2022. Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Up to 100% financing available. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Term 3 Years. Repayment example $30.28 per $1,000 borrowed. |
| up to 48 months | 5.99% | Term 4 Years. Repayment example $23.38 per $1,000 borrowed. |
| up to 60 months | 5.99% | Term 5 Years. Repayment example $19.24 per $1,000 borrowed. |
Used Auto Rates: Models 2023-2026
For used vehicle models 2023-2026. Rates determined by personal credit history, loan term, and payment method. Advertised rates are the lowest available. Up to 100% financing available. Save 0.25% off installment loan rate with autopay from Wave checking account on a new consumer loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Term 3 Years. Repayment example $29.98 per $1,000 borrowed. |
| up to 48 months | 4.99% | Term 4 Years. Repayment example $23.04 per $1,000 borrowed. |
| up to 60 months | 5.49% | Term 5 Years. Repayment example $19.10 per $1,000 borrowed. |
| up to 72 months | 5.99% | Term 6 Years. Repayment example $16.58 per $1,000 borrowed. |
Who can join Wave Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.