The Best Car Loans | No Application Fee | Whitefish CU

We'll help you navigate toward a better loan for your purchases and refinances.

Navigate toward a better vehicle loan.

Flexible Terms

Flexible terms tailored to your needs

No Application Fee

We're not in the business of charging you unnecessary fees.

Fixed Auto Rates Catered To You

Call us for the latest Montana auto loan rates that fit your budget and needs.

New & Used Auto Loans

Get in gear with the right loan for vehicles of all ages and terms to suite your needs. We offer competitive rates and flexible terms to ensure you get the best auto loan financing in Montana.

  • New Vehicle Loans- 2018 or newer 
  • Used Vehicle Loans - 2017 and older 
  • Classic Vehicle Loans - 2010 and older with a value over $15,000 

Payment Protection Policies

Whitefish Credit Union's options deliver financial backup when you need it most. Add them to any car loan.

  • 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 auto 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

FlexLoan Car Financing

This unique combination of a car loan and lease provides ultimate flexibility.

  • Vehicles up to five years old qualify
  • Annual mileage options of 12,000, 15,000, and 18,000 available
  • Monthly payments up to 40% lower than conventional financing
  • 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

Frequently Asked Questions

  • Filling out an online application takes only about 10-15 minutes. You can expect to have your pre-approval completed within 1-3 business days, depending on the vehicle you’re looking to purchase and your personal financial situation.

  • While everyone’s situation is different, the general rule of thumb is to aim for a car payment that is less than 10% of your monthly net pay. (After monthly bills) You can discover the true payment of your car with our Vehicle Payment Calculator.

  • A pre-approval is an estimation of terms that will help you determine how much you can expect to spend based on fixed APR and length of term.

If you’re looking to make a purchase from a private seller, you’ll need to provide additional information before the purchase is complete, such as, a signed bill of sale, a copy of registration, and a copy of the title. For purchases of vehicles with outstanding loans, contact one of our representatives for additional information.