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OUCU Advantage Auto Loan

Would you love a new vehicle, but hate wrangling over financing?

For many, buying a vehicle is their second biggest investment. Let us help you navigate your next purchase so that you get a vehicle that you can love and afford.

Preapproval lets you know before you go

Be prepared! When you apply for preapproval you simplify the buying process and empower yourself to get the best deal.

Step 1Call us or apply online

Let us know how much you want to spend, or how much you can afford each month. No need to have your vehicle picked out.

Step 2:  We’ll get an answer for you fast!

Let the dealer know you’re a qualified buyer with our preapproval letter; ask the dealer to send us the purchase agreement.
Working with an individual seller? We can help you complete the sale.

Step 3:  Sign at a branch or on the go - from anywhere

 With our new electronic signature service you can sign your loan documents securely from anywhere - using your smartphone, tablet or computer.


The money smart choice

  • OUCU new car rates as low as 2.99%apr
  • No application fee/prepaid finance charge
  • No prepayment penalities


Protect your investment and your wallet

Protect Your Investment

Guaranteed Asset Protection (GAP) can protect your family, your vehicle and your credit rating
If your vehicle is declared a total loss, your auto insurance settlement may not cover the full balance of your loan. A GAP policy can pay off the difference between your primary insurer's settlement and the loan balance, plus give you $1000 toward the purchase of your next vehicle when financed with OUCU.

Coverage also includes Auto Deductible Reimbursement (ADR). ADR will pay you back, up to $500, when you file a claim on your comprehensive or collision auto insurance coverage.
The claim must exceed your primary insurance deductible amount on a vehicle that is registered in the name of the GAP holder and covered by the GAP holder’s insurance. This coverage can reduce or eliminate your out-of-pocket expense if you need to file an insurance claim, and help you get back on the road.

GAP coverage is also available for power-sports vehicles, watercraft and recreational vehicles.


NADA Pricing Guide Preapproval Process Calculator Apply  Now