ATM Locations
CO-OP Shared BranchesCar Loan refinance Special!
It's a great time to refinance your auto loan from another financial institution with rates as low as 4.49% APR1
Anniversary special! $90 Cash back & no Payment for 90 days2
To thank our members for 90 years of community and cooperation, we are offering $90 cash back and no payment for 90 days when you refinance your car loan from another financial institution. Apply today! This offer is only available March 1 to May 31, 2026.
We partner with Enterprise Car Sales to offer you a seamless car buying experience, and financing options to fit your needs.
1) APR=Annual Percentage Rate. Rate quoted as low as on 36-month term. Rates, terms, and conditions may vary based on creditworthiness, qualifications, and collateral conditions and are subject to change. Estimated payment per $1,000 borrowed at 4.49% APR for 36 months is $29.74. All loans subject to approval.
2) Limited time special offer. Not valid on existing loans financed with West Community Credit Union or Gateway Metro Federal Credit Union. Available to qualified borrowers refinancing a 2018 or newer model vehicle. Minimum loan balance of $5,000 required. A minimum FICO score of 640 will be required for 90 days to first payment. Interest will accrue during the first 90 days. $90 will be deposited into your West Community savings account within 30 days of loan funding. Restrictions may apply. Offer may be modified or discontinued at any time.
Compare Your Current Rate
SEE WHAT YOU COULD SAVE!
| PAYMENT EXAMPLES ON A 36 MONTH CAR LOAN | |||
|---|---|---|---|
| LOAN AMOUNT | APR* | MONTHLY PAYMENT | TOTAL COST |
| $15,000 | 4.49% | $446.14 | $16,060.93 |
| $15,000 | 8.49% | $473.44 | $17,043.97 |
| $15,000 | 11.49% | $494.57 | $17,804.48 |
What will my monthly payment be?
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*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.
Fast, Flexible, Affordable Car Loan Decisions
When you’re financing a car, be certain your lender has your best interest in mind. West Community will work hard to set you up with a car loan payment that fits your budget and secure the lowest rate possible. Apply today! We’ll get you into your dream car (loan)!
See Rates
Find out what you can afford with our Car Loan Payment Calculator:
Close your Credit Union Car Loan at a branch, or your favorite dealership
With help from Credit Union Lending System (CULS), you can choose to close your West Community car loan at your dealership! There is no charge for this convenience. Your loan can be processed immediately.Find a participating CULS Car Dealer near you! Just tell them you're getting your loan from West Community.
3 GREAT WAYS TO PROTECT YOUR CAR
Because life can be unpredictable we offer important products that can be added to new or existing auto loans to provide financial protection should something unforeseen happen:
Extended Warranty Program
Route 66 Extended Warranty is the most comprehensive extended warranty coverage for all makes and models of automobiles. Coverage helps you maintain peace of mind because even the most reliable vehicle can develop mechanical problems.
Protect against major mechanical expenses throughout the U.S. with no deductible on covered parts and labor. Include coverage on your new purchase, or add coverage to your current vehicle!
Visit a branch or call (636) 720-2400 for a Route 66 Extended Warranty quote.
Download the Route 66 Mobile App for quick access to your coverage:
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Call for Emergency Roadside assistance
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Locate Repair Facilities
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Upload and save your maintenance/service records
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Start a Claim
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Chat with our customer service or claims teams
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Easy access to your service agreement(s)
Download on the Appstore and Google Play
Discounted Car Insurance
With discounts for credit union members, the TruStage™ Auto Insurance Program could save you money. It's easy to get a quote and make the switch, even if you are already covered with another company, you won't lose a penny! Check out the value only available to credit union members!
DISCOUNTED CAR INSURANCE QUOTE
GAP Insurance Protection
Guaranteed Auto Protection (GAP) helps pay off your remaining loan
balance if your vehicle is stolen or totaled in an accident, allowing you to start fresh
with a new vehicle purchase. It is also inexpensive and can be rolled into your loan
payments.
Our GAP coverage options are more comprehensive and cost
less than you’ll find elsewhere. Member Services will be happy to give you
complete information about our GAP protection program.
Visit a branch or call (636) 720-2400 for more information