What APR does Wright-Patt publish?

For 2023-or-newer models on terms up to 63 months, APR ranges from 4.99% to 15.44%.

Can I skip my first few payments?

You have the option to defer your first payment for 90 days, but interest will be calculated from the first day of the loan.

All lenders

Best for: Ohio members refinancing a 2023-or-newer vehicle

Wright-Patt Credit Union

Wright-Patt Credit Union — published 4.99%–15.44% APR range for newer vehicles.

Min credit

Not disclosed

APR

4.99%–15.44%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Wright-Patt Credit Union does not publish this on their public site. "No restriction" means Wright-Patt Credit Union explicitly states no limit.

Overview

Wright-Patt Credit Union refinances vehicles currently financed with other lenders. As of September 2026, rates for 2023-or-newer models on terms up to 63 months range from 4.99% to 15.44% APR. Terms run up to 84 months, with higher minimum loan amounts for longer terms.…

What’s great

Published APR range of 4.99%–15.44% for newer vehicles
Terms up to 84 months
90-day first-payment deferral option

What to know

Minimum $18,000 loan required for terms over 75 months
Membership restricted to specific Ohio counties

Eligibility

Minimum credit score	Not disclosed
APR range	4.99% – 15.44% (Rate for 2023 or newer models with terms up to 63 months.)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	Not disclosed
Membership requirement	Available to those who live, work, worship, or attend school in 23 specific Ohio counties.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Wright-Patt Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Wright-Patt Credit Union before applying.

[1]Refi Your Ride: Refinance Your Auto Loan and Save — Sept 2026 rates — Wright-Patt Credit Union
https://www.wpcu.coop/refi-your-ride
Last checked: October 2026
[2]Eligibility Requirements for Membership — Wright-Patt Credit Union
https://www.wpcu.coop/about-us/membership-eligibility-benefits
Last checked: October 2026
[3]First Time Auto Buying Program and General Facts — Wright-Patt Credit Union
https://www.wpcu.coop/en-us/PDFDocuments/First%20Time%20Auto%20Buying%20Program%20for%20Military%20-%20WPCU.pdf
Last checked: October 2026