Auto Loans

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  • Rates as low as 1.74% APR* View all Rates >
  • Save 0.25% off your rate with our Car Buying Service
  • Loan terms available up to 72 months. Lower your monthly payments when you spread out the cost of your vehicle.
  • No pre-payment penalties. Pay ahead to save on interest.
  • Apply online or at your local branch. Pre-approval is usually given within one business day.
  • Ready to start budgeting? Calculate my Payment >



Save 0.25% on Your Auto Loan Rate When You Shop with Our Car Buying Service


A low rate and a great price will help you maximize your budget. The Webster First Car Buying Service Powered by TrueCar helps you find the car you're looking for at dealers near you with Guaranteed Member Savings. Plus, we'll knock 0.25% off your auto loan rate to help you maximize savings.


  • Save 0.25% on your auto loan rate - Take advantage of extra savings
  • See what others paid - Know how much others paid for the car you want and see your savings, all before visiting the dealership
  • Member savings - Members have saved an average of $3,729 off MSRP**
  • Get member discounts on used cars - save hundreds on over 600,000 pre-owned vehicles for sale from Certified Dealers nationwide
  • Learn How it Works >




Get Pre-approved Before You Visit the Dealership


Getting pre-approved can help you to get a better price on your vehicle, since dealerships will know you are a serious buyer, and can help to speed up the buying process once you've found the perfect car.

  1. Use our Car Buying Service to find the vehicle you want at a dealer near you. Get your Guaranteed Savings Certificate or used vehicle Price Certificate to lock in savings.
  2. Apply for loan pre-approval online or at your local branch. Make sure to mention "TrueCar" in the application comments. Pre-approval is usually given within one business day.
  3. Visit the dealer to test drive and reserve your new car.
  4. Finalize your loan with Webster First. We'll get you your check and arrange for any automatic payment transfers.
  5. Protect your investment with add-ons like extended warranties, GAP Advantage coverage, and auto insurance.



Protect the Investment in Your Car


Extended Warranties

  • Offer increased protection from mechanical repairs that may no longer be covered by the factory warranty
  • No deductibles
  • Nationwide coverage
  • 24/7/365 emergency roadside service
  • Learn more >



GAP Advantage Coverage

  • Reimburses up to 125% of MSRP or NADA Retail in the event of a totaled or stolen vehicle to pay the vehicle loan after insurance payment
  • GAP Advantage prevents, in almost all cases, a loan balance when a car is totaled or stolen
  • GAP Advantage includes Auto Deductible Reimbursement, which could help cover your auto deductible up to $500 in the event of a loss
  • Learn more >



Save on Auto Insurance 


As a member of Webster First, you'll enjoy 5% on your auto insurance and be eligible for additional discounts when you get coverage through WebFirst Insurance, LLC, a subsidiary of Webster First Federal Credit Union. As your local agent, WebFirst Insurance works with many carriers to get you the right coverage at the right price. Get a quote online today.

Need insurance now? WebFirst is pleased to offer 24/7 purchasing with our partner Plymouth Rock. With auto insurance from Plymouth Rock, you could get:

  • New Car Replacement so you can feel confident knowing that your new car is protected in the event of a loss+
  • A check on the spot from one of Plymouth Rock's Crashbusters® adjusters who come directly to your car to evaluate damage
  • White glove service when your car needs to be repaired with Door-to-Door Valet Claim Service®
  • Purchase through Plymouth Rock >



Ready to Apply for an Auto Loan? Let's Get Started!


Applications for car loans are available online, at one of our local branches, or by phone. If you'd like to apply by phone or speak with a member service representative for more information, call us at 800.962.4452.





*(APR) Annual Percentage Rate is subject to change without notice. Rate will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rate quoted here assumes excellent borrower credit history.  Rate includes 1/4% deduction from a Webster First Federal Credit Union account Ex. $1,000; 2.24% APR; 60 months; $17.64; total interest $58.06. Additional 1/4% discount available by purchasing your car from a WFFCU Certified Dealer via the Car Buying Service.

**Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor Webster First Federal Credit Union brokers, sells or leases motor vehicles.

Guaranteed Savings and upfront dealer pricing information not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured.

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