Auto Loan

Give yourself some credit with a
Wings Auto Loan.

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Member Appreciation Month: Get a $200 bonus + 0.50% rate discount on an auto refi*

Lower your payment, enjoy extra flexibility and make no payments for 90 days. Apply by 8/31/26.

Apply for an Auto Loan

*Standard account and credit qualifications apply. Mention Promo Code: “Driver” when discussing this offer with your loan officer. All loans subject to final credit approval. One offer per loan. Loan applications must be received by December 31, 2026. Loans must fund by January 30, 2027. The minimum refinanced loan amount must be $10,000 or greater. Vehicle must be a 2020 or newer model year. Maximum loan to value of up to 125% NADA retail value. Offer not available on purchase money transactions, non-titled and recreational vehicles. Offer not valid on refinances of current Wings or Ent loans. Offer may be withdrawn at any time and is subject to change at Wings' sole discretion.

a) The 0.50% APR reduction will be applied to approved applications. Wings and Ent Employees are not eligible for the 0.50% APR reduction component of this offer. The APR represents a broader measure of the cost of borrowing than the interest rate alone. It includes the interest rate, as well as any points, fees, and other charges associated with obtaining the loan. Therefore, your APR will typically be higher than the interest rate. Rates are subject to change without notice and are based on an evaluation of your credit history and other factors. As a result, your APR may vary.
b) The first payment may be delayed up to 90 days after the loan is funded. Interest will start to accrue on the day the loan is funded and will increase the principal balance of the loan due to the delay in initial payment.
c) The $200 will be deposited into your Wings primary savings account within the first five (5) business days of the month following the closing of an approved loan. If there are multiple borrowers, only the primary will receive the $200. The $200 deposit is tax-reportable.

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Simplify your car shopping experience.

Get pre-approved for a Wings auto loan today and shop with confidence, knowing how much you can spend on your new vehicle. We make it easy to apply online, in the Wings Mobile App or over the phone. New, used or refinanced, we can help you fund the vehicle of your dreams.

Refinance and save.

Have a higher rate somewhere else? Refinance with Wings to see how much lower your monthly payments could be. When you’re ready to apply, our simple online application can get you saving in less than 5 minutes. 

Learn More

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Turn Member Rewards points into extra savings.

Redeem Member Rewards points to reduce your loan rate by 0.50% on a new or refinanced Wings vehicle loan.

Reduce Your Loan Rate

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Auto Loan Rates

Model Year: 2023 & Newer APR as Low as1 Payment per $1,000
36 Month Term 5.24% $30.08
48 Month Term 5.49% $23.25
66 Month Term 5.74% $17.70
72 Month Term 5.74% $16.45
84 Month Term 5.99% $14.60
Model Year: 2022 - 2020 APR as Low as1 Payment per $1,000
36 Month Term 5.49% $30.19
48 Month Term 5.74% $23.37
66 Month Term 5.99% $17.82
72 Month Term 6.24% $16.69
84 Month Term 6.49% $14.84
Model Year: 2019 - 2016 APR as Low as1 Payment per $1,000
60 Month Term 6.49% $19.56
Model Year: 2015 - 2010 APR as Low as1 Payment per $1,000
60 Month Term 6.99% $19.80
1APR = Annual Percentage Rate. Rates effective as of August 25, 2026 and subject to change without notice. The rate will be determined by the rate in effect on the day the loan is funded.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Auto loan rates assume a 0.50% discount for payroll direct deposit(s) totaling $1,000 or more into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.

Stress-free car buying starts here.

The Wings Auto Resource Center is a powerful research and buying tool that makes it easy to shop and compare vehicles, research car values and history, request vehicle quotes, and apply for a car loan.

Visit the Auto Resource Center

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Let us help you get the financing you need.

We make it easy to apply for an auto loan. Apply today using our simple, online application and a loan representative will work with you to finalize your loan.

Apply Now

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