Benefits of Credit Union Low-Credit Auto Loans
Bad credit? No credit? We’re here to help! Building or rebuilding credit can feel challenging, but you don’t have to navigate it alone. At OUCU, we look beyond the numbers to help you secure a low-credit auto loan with fair rates and flexible terms. Our experienced loan managers will guide you through the process, working to find a financing solution that fits your needs.
Affordable Rates
Get a fair rate designed to help you finance a vehicle while rebuilding credit.
Flexible Loan Terms
Choose a loan term that keeps payments manageable for your budget.
Easy Application
Apply online, by phone, or in person and get a quick loan decision.
Personalized Support
Our loan experts work with you to find the best financing option for your situation.
Low-Credit Auto Loans in Ohio
OUCU Financial offers flexible financing options for borrowers with low or no credit. Our streamlined application process and personalized service make it easier to get approved for a loan, even if you're new to credit. We’re here to guide you through each step, making sure you feel confident about your car purchase.
Making on-time payments can help you build or improve your credit over time, allowing you to unlock better financing options in the future. Plus, we'll work with you to ensure you’re in the best position possible for success.
Ready to get on the road with confidence?
Our Low-Credit Auto Loan Rates
Vehicle Loans Annual Percentage Rate (APR) as low as*
| Maximum Term | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|---|
| New Vehicles (2024 or newer) | 5.99% APR* | 5.99% APR* | 5.99% APR* | 5.99% APR* | 6.24% APR* | 6.49% APR* |
| Used Vehicles (2023 - 2020) | 6.29% APR* | 6.29% APR* | 6.29% APR* | 6.29% APR* | 6.54% APR* | |
| Used Vehicles (2019 or older) | 6.64% APR* | 6.64% APR* | 6.64% APR* | 6.64% APR* | 6.89% APR* | |
|
All Tiers, All Terms |
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APR = Annual Percentage Rate
*New vehicle rate is for the current model year or prior model year with fewer than 15,000 miles. Term of loan will depend on the age of the vehicle and the amount financed. For all vehicle rate tiers there is a .25% increase for loan amounts exceeding book value book value from 110% to 119% and a .50% increase for loan amounts exceeding book value above 120%. Subject to credit approval. All annual percentage rates and annual percentage yields subject to periodic change. Call us for further information on applicable fees and terms. Rates apply to new loans only. Rates are quoted as low as. Your actual rates and repayment terms will be based on your credit history. The minimum loan amount on an auto loan for 72 months is $20,000 and for 84 months $30,000.
Prime rate for the quarter beginning 7/1/25 is 7.50%
Additional Features of Our Low-Credit Auto Loans
Skip-a-Pay Option
Defer up to two payments per year with our Skip-a-Pay Service—offering extra flexibility when you need it most.
Fast Loan Decisions
Our team works quickly to review your loan application, helping you secure financing to get you in the driver’s seat faster.
Online Calculators & Tools
Use our online calculators and easy-to-use financial tools to estimate your payments and see what fits your budget.
GAP Coverage
Protect your investment with optional GAP coverage and extended warranty plans designed to keep you covered.
No Hidden Fees
Enjoy transparent lending with no application fees or prepayment penalties.
Automatic Payment Options
Set up auto-pay to simplify your monthly payments and reduce the risk of missing due dates.
Applying for a Low-Credit Auto Loan Is as Easy as 1-2-3!
Step
1
Apply for a Loan
Conveniently apply online by clicking the button below, by phone, or at a branch.
Step
2
Application Review
We’ll review your application, crunch the numbers, and give you a fast loan decision.
Step
3
Finalize the Loan
Sign loan documents on the go from anywhere or in the branch!
