Used Auto Loans
Save big with a reliable used vehicle instead of buying new — and save even more with our affordable credit union used auto loans! Enjoy lower rates than traditional banks and benefit from smaller loan amounts that make your payments more budget-friendly. Apply for a used auto loan today and drive away with a great deal and a dependable car you’ll love!
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Affordable and Flexible Credit Union Used Auto Loans
Our used auto loans are an affordable and stress-free way to finance your next vehicle. With our low rates, flexible terms, and easy application process, we’ll help you get the financing you need with payments you can afford. Apply for a used auto loan today to hit the road faster with smarter financing.
Competitive Rates
Our low rates help you save more of your hard-earned money.
Flexible Terms
Terms of up to 72 months are available to help you get affordable payments.
Loan Pre-Approval
Find out how much you qualify to borrow before you start shopping for a vehicle.
Easy Loan Application
Our loan application is quick and easy to save you time.
Drive Home a Great Deal with Our Used Auto Loans in Ohio
Get more car for your money with a reliable used model! A used vehicle in good condition can save you thousands over the cost of a new vehicle. You'll have less to repay, which means you can pay off your loan sooner and have a lower monthly payment amount.
Take advantage of a low used auto rate that may be lower than the rates for new cars with other lenders. Our used auto loans have flexible terms of 12 to 72 months, with shorter terms having lower rates. Apply for a used auto loan today and drive away with a great deal!
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Used Auto Loan Rates
Vehicle Loans Annual Percentage Rate (APR) as low as*
| Maximum Term |
24 Months |
36 Months |
48 Months |
60 Months |
72 Months |
| Used Vehicles (2023 - 2020) |
6.24% APR* |
6.24% APR* |
6.24% APR* |
6.24% APR* |
6.49% APR* |
| Used Vehicles (2019 or older) |
6.49% APR* |
6.49% APR* |
6.49% APR* |
6.49% APR* |
6.74% APR* |
Rates accurate as of: 10/1/25
APR = Annual Percentage Rate
Term of loan will depend on the age of the vehicle and the amount financed. 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.
Prime rate for the quarter beginning 10/1/25 is 7.50%
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OUCU Used Auto Loan FAQs
What credit score do I need to qualify for a used auto loan?
A credit score of 650 is preferred for our credit union used auto loans, although lower scores will be considered. In addition to your credit score, we’ll also look at your overall financial situation, including your income and debts.
Are there any loan prepayment penalties?
Our used auto loans don’t have any prepayment penalties. You can make extra payments or pay off your loan early to save on interest. You can also refinance your used auto loan later if interest rates decrease. Our auto refinance loans don’t have any closing fees to help you maximize your savings.
Can I get pre-approved for a used auto loan?
Absolutely! We’ll be glad to do a preliminary review of your finances and give you an estimate of how much you qualify to borrow. Keep in mind that pre-approval is not the same as formal loan approval, which requires a more in-depth review of your finances and a hard credit check.
Can I finance a used vehicle from a private seller?
Yes, you can finance a used vehicle from a private seller, which gives you more options for finding a great deal. The rates and terms depend on the model year and other factors.
Are there any benefits to financing through a credit union versus a dealership?
Yes, because credit unions are nonprofit organizations, they may offer lower interest rates and lower fees on auto loans compared to dealerships. They may also provide more flexible repayment options.
Can I finance a certified pre-owned vehicle with a used auto loan?
Absolutely! A certified pre-owned vehicle is a great way to get a good deal on a reliable vehicle. They often come with warranties and have been thoroughly inspected to give you peace of mind.
Can I qualify for a used auto loan if I’m self-employed?
Yes, but you may be required to submit additional documentation to verify your income. You may need to provide recent tax returns, bank statements, profit and loss statements from your business, and other documents as requested.
Do I need to be a member to apply for a used auto loan?
Yes, you will need to become a member to apply for a credit union used auto loan. Membership is open to anyone who lives, works, worships, or goes to school in the following counties: Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, and Meigs. You also qualify for membership if you are an Ohio University or Hocking College active or retired employee, student or graduate, or if you have a family member who is eligible for membership.
