Just like the right vehicle, our auto loans include all the features you need. Buy, refinance, or protect your ride with us.

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Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Service
  • Competitive, fixed and variable rates on new or used vehicles
  • A wide range of terms customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Need to Refinance a loan from another lender?

Whether you’re looking to lower your monthly payments or shorten your term, we make refinancing a breeze.

New Auto Loans

Considered new auto if never titled and is less than 3000 miles or no less than 12 months old when refinanced. We can finance up to 120% LTV to include taxes, registration fees and warranties. Risk Based Pricing applies. 

Used Auto Loans

We can finance up to 120% LTV to include taxes, registration fees and warranties. Also, we finance vehicles as old as 12 years at the time of maturity. We do not finance salvaged or rebuilt vehicles. Risk Based Pricing applies. 



Protect your auto investment …with Guaranteed Auto Protection.

Did you know that if your vehicle were to be stolen or damaged beyond repair ("totaled"), your insurance company may not pay off the entire loan balance?

That’s because your insurance company settlement is based on the vehicle’s actual cash value. And because of the way vehicle values decline, the outstanding loan balance is usually higher than the actual cash value. You could end up paying off a loan balance for a vehicle you can no longer drive!

Guaranteed Auto Protection (GAP) is designed to eliminate your unpaid auto loan balance in the event your vehicle is totaled or stolen. GAP supplements, but does not replace, your primary auto insurance coverage.

GAP is designed for all drivers, whether you finance a new or used vehicle. It may even cover your insurance deductible, up to $1,000, as part of your claim settlement. And, the cost of GAP can even be financed with your loan.

GAP will also give you $1,000 towards your replacement vehicle, financed at the credit union.

For more information, please stop by or call us at (508) 853-9966.

Shopping For a Used Car?

Click here to save on CARFAX Vehicle History Report

Save on a CARFAX report

Worcester CU members save $10 on a CARFAX vehicle history report. Pay only $29.99!

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Worcester Credit Union is insured by both National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above the NCUA limits are fully insured by the MSIC.