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Auto Loans

New & Used Auto Loans

When you need to go places, we’ll help you get there with rates as low as 2.74% APR.

Get behind the wheel of the perfect car with our affordable and convenient auto loans to match your specific needs and budget. Whether you’re interested in purchasing a brand new vehicle or driving away in an experienced used car, we’ll help you find a way to accomplish your goal. Looking to save money on your current car loan? Refinancing your vehicle loan is easy. 

  • Auto loans as low as 2.74% APR*
  • User-friendly loan process
  • Affordable GAP insurance
  • Personalized service for members
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Save up to $900 today with OUCU, the smart choice!

Feature OUCU Local Bank
Rates As low as 2.74% APR 3.99%* and up
Origination Fee None $125*
Dealer Document Fee None $150 average
GAP Insurance $449 $700**
Prepayment Penalty None $100 or more
Skip-A-Pay Option Yes! No

*A local financial institution, Sept. 2021. **According to Investopedia, Sept. 2021. 

+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 2.74% annual percentage rate, the monthly payment would be $220.21. 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.

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