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Auto Loans

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It's here! May Car Loan Sale at WV Central is the BEST time to buy with insanely low rates even without perfect credit!

Our board has approved rates as low as 1.65% for those with exceptional credit and a 36 month term.. but the best part is if your credit isn't perfect, you can get a 60 month term with a 3.40% APR!

We are taking pre-approvals online now, at www.wvccu.org so you can be ready to buy on May 1st! 🚗🚙

Alongside our Annual May Car Loan Sale - we are rolling out a new loan program designed to remove barriers to using WV Central for your auto financing at ANY dealer, at any time!

With Central Freedom Express, you are issued essentially a blank check to use for the purchase of your vehicle, good for up to the amount you've been pre-approved for.. you can go car shopping at your convenience and have peace of mind that you are getting the best loan rate available (and in May they are CRAZY GOOD!)

Test driving is easier when financing is in place. You already know your budget, your term and have payment in hand. Win, Win! 💚

(Don't need a new vehicle, but want to take advantage of these lower rates? We can help you refinance too!)


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.

*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.

Payment Example: A $20,000.00 auto loan financed with WV Central FCU at 1.65% APR for 36 months will have a monthly payment of $569.82.

My First Auto Loan

We're Looking Out for You! New and Used Vehicle Loans for First-Time Buyers

Innovating features include:

  • $500.00 to $20,000.00
  • Maximum term 60 months
  • No Co-signer and No Down Payment
  • 12 months job verification
  • No derogatory credit
  • ACH Payment must be established or Auto Pay set up when the loan is funded

Additional Terms and Conditions may apply.
Proof of full insurance coverage is required at time of loan

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.


Kasasa Auto Loan™

The Kasasa Auto 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 March 8, 2021 and are subject to change without notice.