Car Loans

Two people Car camping in Desert summer road trip

Grab the Keys and Hit the Road to Your Automotive Dreams, We Got Shotgun!

Whether you are searching for a trusty vehicle to get you from point A to B or that flashy new ride, we have the auto loans and rates to help you get the perfect vehicle.

Step Into a New or Used Auto

Let Wildfire help you find the vehicle that fits your needs and budget.

Ask Yourself the Following Questions

  • What type of vehicle am I looking for?
  • What type of monthly payment do I want?
  • How much would this vehicle cost to own?

Do Your Research

When choosing a vehicle, be sure to check the vehicle's history. Dealerships typically offer free vehicle history reports via Carfax or AutoCheck. However, if you are purchasing from a private party we suggest getting a history report. A history report will give you information such as the number of owners, title history, reported accidents and damages, mileage, and vehicle maintenance history.

Helpful Links: Carfax | AutoCheck

Find the Value of the Vehicle

Don't know what the vehicle is worth? No worries, there are many great websites that will help with finding the value of the vehicle.

Helpful Links: Nada Guides | Kelly Blue Book

Get Pre-Approved

You can call, stop in your local branch, or apply online to get pre-approved.

New & Used Car Loan Rates

  • All rates listed are the Annual Percentage Rate (APR).
  • Rates are based on the applicant(s) credit score.
  • Rates are subject to change without notice. Call the credit union for current rates.
  • Loans are based on credit approval.
  • Auto secured loans may require a down payment of up to 20%. Down payment amount is based on credit worthiness.

Effective Date: 7/14/2024 - 12:00 A.M. EST

Account Info Term APR Payment Amount

New & Used Autos 2016 - Newer

12 to 60 Months


$19.81/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2019 - Newer

61 to 72 Months


$17.17/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2020 - Newer

73 to 84 Months


$15.59/mo per $1,000 borrowed based on maximum term.

Used Autos No Model Year Limitation

12 to 48 Months


$23.95/mo per $1,000 borrowed based on maximum term.

Cranking up the Volume on Coverage

The seatbelts and airbags for your loan

The GAP Advantage

Closing the gap in protecting your current and future vehicle investment.

What is GAP?

Guaranteed Asset Protection or GAP, takes care of your remaining loan balance, protecting you, the borrower, from the burden of paying off the amount still owed. The GAP settlement may include your insurance deductible up to $1,000.

What Does GAP Cover?

In the unfortunate event of an accident or theft of your vehicle, in which your insurer deems it a total loss, GAP would cover the following:

  • The remaining balance of your loan not covered by insurance
  • $1,000 towards the financing of a replacement vehicle if financed through Wildfire

How GAP Works

Original purchase price


Remaining loan balance after accident/theft


Your insurance settlement will only pay you


Without GAP

Your remaining unpaid loan balance (the "gap")

(Including your deductible, up to $1,000)


Total GAP Advantage

GAP waives the difference


GAP Advantage also provides you with the following toward the financing of a replacement vehicle




Depreciation Protection

If your vehicle is ever totaled or stolen and not recovered at anytime over the term of your loan, the Depreciation Protection Waiver (DPW) will roll on up to help you out by protecting the positive equity in your vehicle.

DPW is Perfect if You:

  • Put money down or have equity in your vehicle.
  • Make accelerated loan payments.
  • Want protection from vehicle depreciation.
  • Desire peace of mind knowing the money you invested could be protected.

DPW Benefits:

  • Life of loan protection.
  • No mileage, make/model, or vehicle year restrictions.
  • Open enrollment.
  • 100% refundable for the first 60 days.
  • Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding loan balance if you die in an accident.

DPW Fast Facts:

  • Cost of Depreciation: New vehicles lose an average of $15,000 in value during the first five years of ownership.
  • Average Annual Depreciation Cost: The average cost for a small SUV is $2,840 a year (AAA, “Your Driving Costs”).

How it Works:

Depreciation Protection will waive some or all of your loan balance in the event that you lose your vehicle.

The waiver benefit is equal to the difference between your vehicle's MSRP or retail value at the time you purchased DPW, less the amount of your total loan balance at the time you lose your vehicle*. Check out the chart below for an example!

Time Since PurchasePurchase PriceOutstanding Loan BalanceDPW Benefit at Total Loss
Brand New$30,000$28,500$1,500
Six Months$30,000$26,681$3,319
One Year$30,000$24,469$5,531
Three Years$30,000$15,282$10,000**
Five Years$30,000$5,5305,530

* The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total vehicle loss.

** The Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. The $10,000 Waiver Benefit applies here because waiver amount will not exceed the lesser of the maximum amount listed in the waiver addendum or outstanding loan balance at total loss.

Credit Life & Disability Insurance*

Life is wonderful, but it can get complicated at times when unexpected obstacles come up. Protecting your loan payments against unexpected and covered life events and disability could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

* Restrictions apply, call for details

Beyond Protection

  •  Simple to apply

  •  Designed to fit your lifestyle

  •  Coverage that fits your loan

  •  Totally voluntary

  •  Won't affect your loan approval

  •  Sign up for credit insurance at your loan closing, or anytime you like


Apply for a loan

24 hours/day!

Start Loan Process

Wildfire members can count on secure, safe, and fast consumer loan approval with Wildfire. Go ahead and apply today:

You must become a Wildfire Credit Union member if you are approved and before the loan is finalized.

If you have already submitted an application with us you can check your application status.

Estimate Your Monthly Car Payment


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