As a not-for-profit financial institution dedicated to helping our members grow financially, we’re able to provide personalized service and comprehensive rates to encourage financial stability and wellbeing.

Our car loan process simplifies the buying journey and enables you to get the best deal to match your budget.

We offer:

• Lower interest rates

• Important auto financing & car buying resources

• Flexible terms

• User-friendly loan process

• Personalized member services

• Additional financial products & services exclusive to members

Our auto loans start at a low 3.24% APR and flexible terms and conditions put you behind the wheel, whether new or used, in order to get you to where you need to be.

View Rates

Depending on your wants, needs, and overall budget, you may love the smell of a brand new car but your budget may only be big enough for a used car.

Fortunately, there’s a perfect car for every consumer if you’re willing to compare the pros and cons and make an informed, responsible financial decision.

New Car Loans

• Lower APR – Competitive annual percentage rates on new car loans
• Longer terms – 12 – 84-month loan terms on new car loans
• Increased lifespan – Peace of mind your new car has no previous mechanical issues or natural wear and tear

Used Car Loans

• Smaller loan amount – Used vehicles in good condition enables you to reduce monthly payments
• Shorter loan terms – 12 – 72-month terms on used auto loans

Determine your monthly payment or car purchase price. 

 Auto Loan Calculator

When you apply for pre-approval, you simplify the buying process and empower yourself to get the best deal. Our new and used auto loans offered at great terms and affordable rates allow you to invest in your freedom and accelerate your adventures by finding the perfect car.

Step 1. Apply

• Online or by phone
• Let us know what you can afford
• No need to choose a vehicle yet

Step 2. Get Answer

• Get a quick answer
• Receive pre-approval letter
• Shop for your favorite vehicle

Step 3. Close

• Have a car dealer send us a purchase agreement
• We help you close with a private seller
• Sign on the go from anywhere or in branch

Drive away in the car of your dreams. Apply Now or Contact Us for more information.

You can qualify for membership in many different ways. That includes employment or association with:

• Ohio University: Employees (active or retired), student or alumni
• Hocking College: Employees (active or retired), student or alumni
• Select Employee Group: full list here
• Affiliate organizations: full list here
• Family members: relatives of current AND eligible members (examples include parents, siblings, aunts & uncles, cousins, grandparents, in-laws, etc.)

Please contact us if you’d like assistance determining which is right for you.

Best of all, once a member, always a member: if you leave the employer or organization that made you eligible you can keep your OUCU account open and continue to enjoy the benefits we offer.