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Auto Loans

You need the wheels to go there, we have the loan to get you there!
Why choose OUCU? Great rates, fast process, no application fee and convenient e-sign service.

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

Step 1. Apply
  • Online or by phone
  • Let us know what you can afford
  • No need to choose vehicle yet
Step 2. Get Answer
  • Get a quick answer
  • Receive pre-approval letter
  • Shop for your favorite
Step 3. Close
  • Have a dealer send us a purchase agreement
  • We help you close with a private seller
  • Sign on the go from anywhere or in branch
 

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

Feature OUCU Local Bank
Rates As low as 2.99% APR 3.49%* and up
Origination Fee None $125*
Dealer Document Fee None 150 average
GAP Insurance $449 $1,000**
Prepayment Penalty None $100 or more
Skip-A-Pay Option Yes! No

*A local financial institution, Nov. 2017
**According to Esurance, Feb 2017. Subject to credit approval. On a $10,000 loan for 2.99% annual percentage rate, the monthly payment would be $179.64.

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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