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Home - West Virginia Central Credit Union

Auto Loans

We help our members buy the cars they want. Once approved, you can negotiate with confidence. If you applied online and created a login, click here to check the status of your loan. 

Innovating features include:

  • Flexible terms to fit your budget
  • Guaranteed Asset Protection available
  • Easy online application
  • Finance up to 100%
  • Rate discounts available
  • FREE up-to-the minute information online, anytime – including current balances, transaction history, payment due dates, and more – when you sign up for online banking.
  • FREE automatic loan payments from your WV Central checking or savings account for the ultimate in convenience.*

Get Pre-Approved and Buy With Confidence

Get pre-approved for your Auto Loan with our easy, online application. Whether you are looking for something new or used, look no further than WV Central for competitive rates and flexible terms to fit your budget.

READY TO APPLY? If you are a WV Central  member, fill out our easy online loan application to get started.

Apply Now

*APR = Annual Percentage Rate. APR is based on an evaluation of creditworthiness, so your rate may vary. Credit approval required. Membership and eligibility requirements apply. There are multiple payment options available that do not entail any fees. For detailed information about all the available choices, kindly get in touch with our credit union staff. However, there are certain fees associated with making a Convenience Payment through 3rd Party services, such as $4.99 for ACH payments and $6.99 for debit card payments, which are not reoccurring. Fee amounts may change without notice. If you decide to use the Convenience Payment through our 3rd party, the 3rd party will charge a fee every time you make a payment when using the 3rd party service payment provider, except as limited by applicable law.‚Äč


Kasasa Take Back Loan™

The Take Back Loan lets you pay ahead to save on interest. And access extra payments anytime. 

  • Competitive rates on new and used vehicles
  • Pay ahead to shorten the term and save on interest 
  • Access your Take-Back® balance at any time
  • Manage your loan with a mobile-friendly dashboard
  • See the impact of changes before you make them
  • Free pre-approval for extra confidence at the dealership

Learn More

NOTE: Your specific rate and term will be dependent upon your credit rating, collateral value and amount financed. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of November 1, 2023 and are subject to change without notice.

Car shopping is easier when you're pre-approved!

Buying a car can be an intimidating experience. We can make it easier with our new pre-approved process, Central Freedom Express. Before you visit the dealership, check with us first. We will help you dertimine the price range that will best meet your needs.  You'll go knowing your financing is already in place with WV Central FCU. 

It's easy and takes just a few steps: 

1. Apply online or at one of our convenient locations. We'll discuss options with you and when you are comfortable with the loan and payment amounts, we'll provide you with a Central Freedom Express or "blank" check you can take shopping with you. The check will state the limit that you have been pre-approved for. This will allow you to negotiate with confidence, knowing that your financing is already taken care of. 

2. Once you choose the vehicle you want and have the final price, you'll fill out the Central Freedome Express check with the name of the dealership, the amount, and the vehicle information and sign the check. The dealer will complete final documents and will fax the paperwork to us. You drive home in your new vehicle! 

3. Your loan officer will reach out to you to finalize your loan paperwork and you're all set. 

Getting pre-approved doesn't cost anything and doesn't obligate you to purchase a vechicle. You'll have 45 days to use the Central Freedom Express check. Our competitive rates will leave you driving home happy and saving money over the life of your loan. 

We’ve partnered with TruStage™ to offer straightforward insurance backed by a strong company while making it easy to afford.     

Innovating features include:

  • Life Insurance – Whole and Term plus Children’s Whole Life
  • Accidental Death & Dismemberment
  • Auto
  • Property – Homeowners, Renters and Condo

TruStage™ makes it easy.

Get A Free Quote


Protect your auto investment. Your vehicle value declines significantly during the first few years and your insurance may only cover the current value of your vehicle, leaving you paying the difference. You can protect your loan by covering the “gap” between what you owe and what your vehicle is worth.   

Innovating features include:

  • Covers new and used cars
  • Covers stolen and not recovered
  • Covers a total loss

Don’t find out too late—after your vehicle is stolen, accidentally damaged beyond repair or declared a total loss—that your vehicle is NOT adequately protected. You could still need to pay thousands of dollars out of your pocket for a car you no longer drive, plus you still have to purchase a new vehicle.

Learn More About GAP Coverage!

Contact your loan officer today for more information.

Route 66 Extended Warranty

Route 66 Warranty has a complete line of coverage designed to keep your vehicle and power sports on the road. No matter where you travel in the United States, the warranty protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor. All of the plans come with Rental Car Allowance and 24/7 Emergency Roadside Service:

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-out Service
  • Safe and Secure Package
  • Minor Adjustments

Receive A Quote Today