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Auto Loans

Get behind the wheel of a great deal with our low auto loan rates. Click below to apply and see how easy and stress-free we make the process!



New Auto Loans

There’s nothing sweeter than that new car smell.

Whether you're looking for a sedan, sports car, or truck, we have flexible financing options to fit your needs and budget. Our new auto loans come with minimal paperwork and no headaches! Apply now and experience the ease and convenience of driving home happy in your next vehicle.

  • Low APR auto loan rates
  • Easy loan application
  • Cost-effective GAP coverage
  • Personalized member support

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Used Auto Loans

Why buy new when you can finance gently-driven?

Pre-owned vehicles offer practicality at an affordable price point. Our competitive financing allows you to find quality used cars that match your lifestyle and budget. Get pre-approved for a loan today so you can head off to the dealership and negotiate with confidence!

  • Pre-owned auto rates are often lower than average new car rates
  • Shortened loan terms so you achieve ownership sooner
  • One-on-one support from our knowledgeable loan officers



Auto Refinance Loans

You can potentially save thousands over the life of your loan.

Imagine having extra cash for road trips and adventures because your car loan now comes with smaller payments. We designed our refinancing process to be quick and simple, putting you on the fast track to savings. Enjoy the flexibility of new loan terms that align with where you are now and where you want to be tomorrow.

  • Highly competitive rates
  • An easy and hassle-free loan experience
  • Affordable GAP coverage to cover depreciation
  • Personalize support whenever you need us



Recreational Vehicle Loans

Explore the highways and byways of America in style.

Experience the ultimate road trip with our specialized financing options for your dream RV. Whether it's a motorhome, camper, or travel trailer, our loans provide the means to embark on unforgettable adventures.

  • Low rates
  • No closing fees
  • No prepayment penalties
  • Skip-a-Pay Option



Tractor and Farm Equipment Loans

Financing that allows you to reap more than you sow.

Fuel the growth of your operations with dedicated financing options for tractors and farm equipment. We structure loan terms to meet budget requirements when upgrading equipment. Our advisors help determine optimal financing for the advanced machinery best suited to your farm.

  • Low APR* rates
  • No origination fees
  • Zero closing fees
  • No prepayment penalties
  • Skip-a-Pay options



Save up to $900 today with OUCU, the smart choice!

Feature OUCU Local Bank
Origination Fee None $125*
Dealer Document Fee None $150 average
GAP Insurance $529 $700**
Prepayment Penalty None $100 or more
Skip-A-Pay Option Yes! No

*A local financial institution, Nov. 2023. **According to Investopedia, Nov. 2023. 

+Interest will accrue during this time.

*Subject to credit approval. New loans only. Your actual rate and term will depend on your credit history, age of vehicle and term of the loan. Rate quoted includes discount for automatic payments. On a $10,000 loan for 48 months at 6.24% annual percentage rate, the monthly payment would be $235.93. Other rates and terms available. If you make a payment 10 days or more after the due date, you may be charged 5% of the payment amount.

Tools & Services


Have questions about the car title process?

We've put together some information to help walk you through the process when buying or selling a vehicle.

Car Title Process