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
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
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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.
Your safeguard against the unexpected.
Debt Protection
Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection, which may cancel or reduce your loan balance or payments up to contract maximums in case of:
- Involuntary unemployment
- Disabilty
- Death
Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you've taken steps to help secure your finances.
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
Take a step toward financial security. Ask us about Debt Protection with Life Plus today.
Click Here to reach our Debt/Life Protection Claims Portal
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
GUARANTEED ASSET PROTECTION (GAP)
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
- Fluids
- Taxes
- Filters
- Diagnostics
*Terms and Conditions Apply
Receive A Quote Today