Accept the offer
Email disclaimer
Water and Power Community Credit Union will never request sensitive information such as Social Security numbers, online banking PINs, passwords, or account numbers by email or text message. Please beware of solicitors who ask for sensitive information. If you receive an email or text message or any other forms of solicitation requesting this type of information, please contact Water and Power Community Credit Union immediately: 800-300-9728. To learn more of our policies please click here >
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information.
PRESCREEN & OPT-OUT NOTICE
THE CONSUMER RECEIVED THE OFFER OF CREDIT BECAUSE THE CONSUMER SATISFIED THE CRITERIA FOR CREDIT WORTHINESS UNDER WHICH THE CONSUMER WAS SELECTED FOR THE OFFER. IF APPLICABLE, THE CREDIT MAY NOT BE EXTENDED IF, AFTER THE CONSUMER RESPONDS TO THE OFFER, THE CONSUMER DOES NOT MEET THE CRITERIA USED TO SELECT THE CONSUMER FOR THE OFFER OR ANY APPLICABLE CRITERIA BEARING ON CREDIT WORTHINESS OR DOES NOT FURNISH ANY REQUIRED COLLATERAL. YOU HAVE THE RIGHT TO PROHIBIT INFORMATION CONTAINED IN YOUR CREDIT FILE WITH ANY CREDIT REPORTING AGENCY FROM BEING USED IN CONNECTION WITH ANY CREDIT TRANSACTIONS THAT YOU DID NOT INITIATE. TO EXERCISE THIS RIGHT, PLEASE CALL EXPERIAN OPT-OUT AT 1-888-5-OPTOUT (1-888-567-8688), OR WRITE TO EXPERIAN, P.O. BOX 919, ALLEN, TX 75013.
General Disclosures
This offer is non-transferrable and is only valid for the primary accountholder.
You must be 21 years of age or older and be a member in good standing to take advantage of this credit offer. We reserve the right to verify your identity and monthly income before we extend credit. If you do not meet minimum monthly income requirements for the loan amount indicated in your offer, we may offer you a lower loan amount. You must have an annual gross income of at least $48,000 to receive a car loan. If your verified income is lower, we may offer you a lower loan amount or rescind this offer.
Credit may not be extended if, after you respond, it is determined that you do not meet the criteria used for screening or you do not furnish the required collateral or information. When responding to this offer, please provide your last two (2) paystubs or other proof of monthly income. Individual loan rates are determined by your FICO score provided to WPCCU by the EXPERIAN CORPORATION at the time your credit file was reviewed for approval.
These offers may be used to refinance debt with other creditors but are not valid to refinance existing WPCCU debt. Acceptance of any credit offer is your statement under penalty of perjury that you will know of no reason you will be unable to make the required monthly payments for that debt. Pre-approval offers of credit expire on September 5, 2025. Credit requests submitted after this date will require an application. WPCCU reserves the right to end or modify this offer without notice.
Car Loan
The minimum amount financed for a car loan is $5,000.
* APR = Annual Percentage Rate. Loan rate discount offer for qualified members and is for new and used vehicles with up to 125% financing. Financing offer not valid for existing WPCCU car loans. All loans are subject to credit approval and actual rates may vary based on member’s credit score and ability to pay. Loan rate discount of 0.50% APR is valid for new car loans only with automatic payment from a WPCCU account. Only one discount per loan allowed. Projected payments are for example only and are not inclusive all fees and costs. Automatic payment discount rep example for Auto FICO V2 720 and above: A $25,000 new vehicle loan financed at 4.99% APR (includes 0.50% auto payment rate discount) for 36 months would result in 36 payments of $749.16. WPCCU will not finance cars that are older than 7 years and/or have more than 100,000 miles. Rates subject to change without notice. Other rates and terms available. Click here for new and used car loan rates. To receive the discount, accountholder must set up automatic payment for their vehicle loan. Automatic payments must be made for at least one year. Offer may not be combined with any other loan rate discounts. Discount may end at any time. Ask us for details including 90-day loan payment deferment.
The interest rate on your loan is determined by your credit score at the time your credit file was reviewed for approval.
WPCCU is an Equal Opportunity Lender and Equal Housing Lender. Federally insured by NCUA.
For details regarding your offer, please see your email or direct mail letter.