Our lobbies will close at 1 PM and the drive-thru at 3 PM on Christmas Eve, Tuesday, December 24. Branches will be closed on Wednesday, December 25, for Christmas.

Whitefish Credit Union

Whitefish Credit Union

Whitefish Credit Union


Unlock the Possibilities

We'll help you find the vehicle to get there.

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 Car Loans

Get in gear with a new-to-you vehicle, on your terms. Whether you’ve found a great deal, or the car of your dreams, we’re here to help you get a payment you can manage.*

Rest easy knowing we finance new and used vehicles of any age.

*Loans subject to credit qualifications.

Car Loan Refinance

Why refinance now? Refinancing your car loan from another lender may help you lower your monthly payment, get a better interest rate, or both!

Applying is easy!

  • No Application Fees or Document Fees
  • Simple, Secure Online Application

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

Enjoy the Flexibility of Skip-A-Pay

With Whitefish Credit Union’s Skip-A-Pay program, eligible members can skip one loan payment every 12 months—without any fees or impact on their credit score. It’s our way of giving you added flexibility when you need it most.

This benefit applies to qualifying vehicle and personal loans, helping you stay in control of your finances. Whether it's for the holidays or an unexpected expense, Skip-A-Pay is here to offer peace of mind.

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. Loans subject to credit qualifications.

  • 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.