Credit union · NCUA insured
Wescom Financial Auto Loan Rates
Wescom Financial auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Wescom Financial’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Wescom Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wescom Financial
5.74%APR
- Terms
- up to 60 months
- Discount
- None included
2022 or Newer Model Year Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Wescom Financial auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wescom 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.
2007–2016 Model Year Auto Loan
Up to 110% KRBB. Rates valid as of 02/02/2026 for qualified borrowers. APR may vary based on model year, term, transaction type, and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Payment example: $495.02 on a $25,000 loan. |
| up to 72 months | 7.24% | Payment example: $429.21 on a $25,000 loan. |
Sources (1)
- wescom.org/loans · captured Oct 7, 2026
2017–2021 Model Year Auto Loan
Up to 125% KRBB. Rates valid as of 02/02/2026 for qualified borrowers. APR may vary based on model year, term, transaction type, and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24% | Payment example: $486.21 on a $25,000 loan. |
| up to 72 months | 6.49% | Payment example: $420.22 on a $25,000 loan. |
| up to 84 months | 6.99% | Payment example: $377.29 on a $25,000 loan. |
Sources (1)
- wescom.org/loans · captured Oct 7, 2026
2022 or Newer Model Year Auto Loan
Up to 125% MSRP or KRBB. Rates valid as of 02/02/2026 for qualified borrowers. APR may vary based on model year, term, transaction type, and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Payment example: $480.39 on a $25,000 loan. |
| up to 72 months | 5.99% | Payment example: $414.29 on a $25,000 loan. |
| up to 84 months | 6.49% | Payment example: $371.20 on a $25,000 loan. |
Sources (1)
- wescom.org/loans · captured Oct 7, 2026
Who can join Wescom Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in California are eligible for membership.
Military, government and schools
- UCLA alumni are eligible for membership, even if not living in Southern California.
Family and household
- Family members of current Wescom Financial members may be eligible for membership.
Cost to join
- Establishing membership requires opening a Regular Savings Account with a minimum deposit of $1.
Membership information collected October 5, 2026.