Credit union · NCUA insured
Wellby Financial Auto Loan Rates
Top CarrotWellby Financial auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Wellby Financial’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Wellby Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wellby Financial
5.54%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Auto Loan (New & Used)
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Wellby Financial auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wellby Financial 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.
Auto Loan (New & Used)
Loans subject to credit approval. Membership eligibility required. A vehicle is considered new until the last day of June in the year immediately following its model year with <5,000 miles; on July 1 and after, financed as used autos. 78-84 month terms only available on 2017 and newer model-year vehicles. Primary Savings account required with $5.00 minimum balance.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | 2024-Newer model year vehicles. |
| up to 84 months | 5.54% | 2024-Newer model year vehicles. |
| up to 48 months | 5.44% | 2019-2023 model year vehicles. |
| up to 84 months | 5.74% | 2019-2023 model year vehicles. |
| up to 77 months | 5.64% | 2016-2018 model year vehicles. |
| up to 48 months | 7.44% | 2006-2015 model year vehicles. |
| up to 66 months | 7.94% | 2006-2015 model year vehicles. |
Auto Refinance
Does not apply to existing Wellby vehicle loans. Minimum loan amount $10,000.00. Qualifying year model ranges: 2024 and newer. Membership eligibility and Primary Savings account with $5.00 minimum opening balance required for new members.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Qualifying year model ranges: 2024 and newer. Example: $20,000 loan with 48-month term at 5.24% APR. |
Sources (2)
All captured Oct 16, 2026
Who can join Wellby Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.