WSECU Auto Loan Rates and Calculators


WSECU online Banking » WSECU Auto Loan Rates and Calculators

WSECU auto loan calculators provide users with the ability to quickly determine the most efficient and optimal form of financing for the purchase of a new/used vehicle. Benefits of obtaining an auto loan through WSECU include fixed rates, flexible terms, and 1% rebate (on refinanced loans). Additional details regarding WSECU auto loans can be found on this page.

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Rates

WSECU auto loan rates can be viewed on the ‘Vehicle Loan Rates‘ page.

(Note: rates are representative – actual rates will vary according to an individual’s credit history and current financial circumstances.)

Calculators

How to Calculate

This calculator is useful for determining an estimation of how large of a loan an individual might be able to qualify for. Enter the following inputs into the input fields within the calculator (the sliders can also be adjusted):

  • Loan amount
  • Interest rate
  • Loan term length in years
  • Total income
  • Number of income sources
  • Existing debt payments
  • Credit card limit
  • Number of dependents
  • Real estate security

Click the ‘Calculate’ or ‘View Report’ button at the bottom of the calculator to generate the results.

Compares the monthly payments/total net cost of buying a vehicle versus leasing one, in order to determine the best option. Enter/adjust the following inputs within the calculator:

  • Purchase price
  • Down payment
  • Sales tax rate
  • Investment rate of return
  • Term length in months
  • Interest rate
  • Other fees
  • Annual depreciation
  • Lease term in months
  • Interest rate
  • Other leasing fees
  • Residual percent
  • Security deposit

Press the ‘Calculate’ or ‘View Report’ button for the results to display.

Determines the monthly auto loan payment amount or total purchase price of a vehicle, based on the following listed variables:

  • Total purchase price
  • Term length in months
  • Interest rate
  • Rebates/cash down
  • Trade allowance
  • Amount owed on trade-in
  • Non-taxable fees
  • Taxable fees
  • Sales tax rate

The result (displayed at the top of the calculator) will automatically generate as the inputs are altered/entered.

Determines various amortization details (monthly payment/loan amount), based on the following listed inputs:

  • Loan amount
  • Monthly payment
  • Interest rate
  • Term length in months

Press the ‘Calculate’ or ‘View Report’ button for the results to display.

Compares between (up to) three different loans in order to help an individual determine the loan that best fits their financial circumstances. Enter the following inputs for each loan: wsecu-loan-comparison-calc

  • Loan amount
  • Interest rate
  • Loan term
  • Loan amortization
  • Origination fee
  • Commitment fee
  • Other fees
  • Other costs

Click the ‘View Report’ button at the bottom of the calculator for detailed results.

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