Northwest Montana’s Trusted Choice for Auto Loans

Montana's rugged landscapes, majestic mountains, and expansive wilderness areas beckon adventurers from far and wide. From the tranquil beauty of Glacier National Park to the iconic vistas of Yellowstone, there's no shortage of stunning destinations to visit. That’s all the more reason why a reliable vehicle is indispensable!

We're dedicated to helping you hit the road easily and confidently, empowering you to explore all that Montana has to offer. Whitefish Credit Union (WCU) is the largest credit union in Montana with over $2 billion in assets and eight branches. We offer an array of highly competitive car loan options, refinancing, protection policies, and FlexLoans.

Read on to discover more about how you can reach your car ownership and car loan goals with WCU.

Meet All of Your Car Loan Needs in One Place

Whitefish Credit Union provides comprehensive car financing solutions in one convenient place whether you’re interested in a new or used car. You can expect flexible loan terms and absolutely zero application fees for a hassle-free experience.

In addition to traditional financing, we offer a suite of services to enhance your borrowing experience, such as refinancing options to lower your monthly payments and comprehensive payment protection plans that provide added security. Your investment will be safeguarded every step of the way. Plus, with our FlexLoan options, you can combine the benefits of conventional loans and leasing together.

Are motorcycles, RVs, ATVs, or boats more your style? We're here to help you finance your adventures on any terrain or waterway. Whatever your automotive aspirations may be, Whitefish Credit Union is your trusted partner for meeting all your car loan needs under one roof.

Get the Best Car Loan for You

There are a few car loan options available to you when you join Whitefish Credit Union. See whether conventional or FlexLoan financing is a better fit for your individual needs and preferences.

Conventional Vehicle Financing

We have conventional vehicle financing options available for the new or used car you’re eyeing. The monthly loan payment amount will change based on many factors, like the length of your car loan, the interest rate, the trade-in value of your old vehicle, and the sales tax. Take care to consider your personal financial situation to figure out what fits into your budget. Our calculator will give you a better idea of your projected monthly payments based on your specific information. Already have your next car picked out? Apply for a car loan today to make it happen!

FlexLoan Car Financing

You may be leaning more heavily towards leasing a vehicle rather than buying it outright due to typically lower down and monthly payments. The downside is that you don’t own the vehicle…There’s an alternative option where you can experience the best of both worlds—FlexLoan! FlexLoan is a unique hybrid of traditional car loan and lease options. If you choose this route, you own the vehicle and the title is in your name. Then, at the end of your loan term, you have the choice to either buy it or walk away penalty-free. Get unparalleled freedom and control over your automotive financing with FlexLoan.

Opting for FlexLoan may offer significant savings of up to 40% compared to conventional car financing. Our calculator can help you visualize these potential savings based on your individual circumstances. Enjoy savings plus the following benefits:

Annual mileage options of 12,000, 15,000, and 18,000 available
Minimal mileage overage fees
Competitive APR % rate
Flexible terms tailored to your needs
No security deposit and no upfront first or last payment
Sell, trade, or finance your vehicle conventionally anytime or return your vehicle when your loan matures
Lower payments and better terms
Less stress with more savings

FlexLoan ensures that your financing solution aligns perfectly with your lifestyle and budget. Vehicles up to five years old qualify so you can take advantage of the benefits beyond this year’s model.

Refinance and Feel the WCU Difference

Just because you’ve already agreed to a car loan through one institution doesn’t mean you’re locked in. Refinancing your car loan from another lender may help you lower your monthly payment, get a better interest rate, or both!

We know that big banks often lack the personal touch found in credit unions. Discover your financial home at Whitefish Credit Union, where our primary focus is serving our incredible members and fostering a sense of community. Unlike many other lenders, our loans remain in-house, allowing us to provide you with tailored solutions and exceptional service every step of the way. It's worth checking to see whether you could save each month.

Extra Protection for Your Financial Health

The financial commitment associated with owning a vehicle can be considerable. Make sure to take the best care of your investment and protect your wallet with guaranteed asset protection (GAP) coverage and mechanical breakdown insurance.

Guaranteed Asset Protection (GAP) Coverage

You know how new cars significantly decrease in value as soon as you drive off the lot? There are a few instances where you might owe more on your car loan than what your insurance policy pays out, like having your vehicle stolen or totaled. Our Guaranteed Asset Protection (GAP) Coverage steps in as financial backup when you need it most to cover the divide.

GAP Plus provides coverage when your vehicle is stolen or totaled and you owe more on your loan than what your insurance policy pays out.
GAP Plus with Deductible Assistance provides coverage when your car repairs cost more than your deductible. The deductible amount is applied to your loan, reducing what you owe.
Debt protection pays your loan obligations when you lose your paycheck due to involuntary unemployment, illness, injury, or death.

Add GAP to any car loan you have from any lender. It provides peace of mind and protects your wallet when the unexpected happens. And, if you change your mind and cancel within 90 days, you will receive a full refund of any fee paid. Contact us to learn more.

Mechanical Breakdown Insurance

Manufacturer warranties don’t always cover everything you need when your car malfunctions. That’s where mechanical breakdown insurance comes into play as an extended warranty. It will help pay for the cost of certain repairs that your vehicle may need while you own it, rather than having funds come from your own pocket.

Get a better value with Whitefish Credit Union compared to adding a costly extended warranty package at a dealership. Our longer terms, more comprehensive offerings, and three different warranty plans give you the best coverage for your needs and budget.

Coverage during all your travels in the US and Canada
$0 deductible on covered parts and labor for all plans
Available for newer and older vehicles
Competitive rates that often cost less than dealership service plans
Simple and straightforward claims process
Live customer service that’s always available during normal business hours
ASE-certified mechanics help you navigate the repair process

Enjoy the Outdoors with Loans for Adventure Vehicles

Whether you're traversing the winding roads of the Rockies on a motorcycle, embarking on a cross-country RV adventure, or setting sail on one of Montana's pristine lakes, we're here to support your outdoor pursuits. Our loans for motorcycles, RVs, boats, snowmobiles, and ATVs have flexible terms and competitive rates. We make it easier than ever to gear up and explore the great outdoors of Montana. Get started and apply for a loan today.

Start Your Car Loan Today

We understand the importance of having a reliable vehicle to navigate Montana’s expansive landscapes. Our comprehensive car loan solutions ensure that your automotive aspirations are within reach!

From traditional vehicle financing to innovative FlexLoan options, we offer tailored solutions to suit your needs and budget. Our commitment extends beyond just financing; we provide additional services such as refinancing, payment protection plans, and insurance coverage options to safeguard your investment. Embark on your Montana adventures with confidence knowing that you have a trusted partner by your side whether you’re traveling by car, motorcycle, RV, boat, or other means.

Apply now and let your adventures begin!

We have competitive rates and don’t require any application fees. Our Northwest Montana locations are more than happy to assist you with amazing customer service unlike anywhere else. Feel welcome to speak with a live and local representative closest to you.