Auto Loans
At Oregon State Credit Union
We make it easy to buy or refinance with flexible financing, local underwriting, and rates as low as 5.44% APR.
Low-rate auto loans for every journey
KEY BENEFITS
Flexible financing
Easy to apply
Electric & hybrid discounts
No payments first 90 days
Why choose an OSCU Auto Loan?
Buying a car should feel exciting — not overwhelming. Our auto loans are designed to save you money, give you flexibility, and help you get where you want to go. Save more with rates as low as 5.44% APR, plus extra discounts for electric and hybrid vehicles.
Flexible financing
- Buy or refinance a new car from the current or previous model year with fixed rates and terms up to 96 months
- Buy or refinance a used car up to 15 years old with fixed rates and terms up to 96 months
- Choose shorter terms up to 72 months for faster payoff
- Make no payments for the first 90 days
- Up to 100% financing available to qualified buyers
Easy to apply
- Apply directly with Oregon State Credit Union
- Or mention us at a participating dealership
- Enjoy local underwriting and faster loan decisions
- Get pre-approved before you shop, so you’re ready to roll
Electric and hybrid vehicle discounts
- Enjoy rates as low as 4.94% APR*
- Get 0.50% off your rate for electric vehicles
- Get 0.25% off your rate for hybrid vehicles
- Reduce your rate by 0.25% APR by qualifying for Member Merits
- Reduce your rate by 0.25% APR with automatic monthly payments
*Featured APR includes rate reductions for electric vehicles, member merits, and automatic monthly payments.
Lower rates & member savings
- Enjoy rates as low as 5.44% APR*
- Reduce your rate by 0.25% APR by qualifying for Member Merits
- Reduce your rate by 0.25% APR with automatic monthly payments
- Enjoy low-to-no fees
- Affordable auto insurance and payment protection coverage
*Featured APR includes rate reductions for member merits and automatic monthly payments.
Auto Loan details: your loan, explained
Effective date
Sunday, December 28, 2025
| Vehicle Type | APR (Low)* | APR (High) | Repayment Terms |
|---|---|---|---|
| New auto loans | |||
| New auto (2024 – 2026) | 5.44% | 17.04% | Up to 72 months |
| New auto (2024 – 2026) | 5.44% | 17.78% | 73-84 months |
| New auto (2024 – 2026) | 7.43% | 17.53% | 85-96 months |
| Used auto loans | |||
| Used auto (2010 – 2023) | 5.94% | 17.53% | Up to 72 months |
| Used auto (2010 – 2023) | 6.93% | 17.79% | 73-84 months |
| Used auto (2010 – 2023) | 7.68% | 12.53% | 85-96 months |
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
Auto Loan Rates
New auto loans
New auto (2024 – 2026)
New auto (2024 – 2026)
New auto (2024 – 2026)
Used auto loans
Used auto (2010 – 2023)
Used auto (2010 – 2023)
Used auto (2010 – 2023)
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Car and truck loans with competitive rates and flexible terms help you get the vehicle you need. Reduced rates available for auto payment or Member Merits, depending on your credit and the amount financed.
| Vehicle Type | APR (Low)* | APR (High) | Repayment Terms |
|---|---|---|---|
| New EV auto loans | |||
| New EV auto (2024 – 2026) | 4.94% | 16.54% | Up to 72 months |
| New EV auto (2024 – 2026) | 4.94% | 17.28% | 73-84 months |
| New EV auto (2024 – 2026) | 6.93% | 17.03% | 85-96 months |
| Used EV auto loans | |||
| Used EV auto (2010 – 2023) | 5.44% | 17.03% | Up to 72 months |
| Used EV auto (2010 – 2023) | 6.43% | 17.29% | 73-84 months |
| Used EV auto (2010 – 2023) | 7.18% | 12.03% | 85-96 months |
| New Hybrid auto loans | |||
| New hybrid auto (2024 – 2026) | 5.19% | 16.79% | Up to 72 months |
| New hybrid auto (2024 – 2026) | 5.19% | 17.53% | 73-84 months |
| New hybrid auto (2024 – 2026) | 7.18% | 17.28% | 85-96 months |
| Used Hybrid auto loans | |||
| Used hybrid auto (2024 – 2026) | 5.69% | 17.28% | Up to 72 months |
| Used hybrid auto (2024 – 2026) | 6.68% | 17.54% | 73-84 months |
| Used hybrid auto (2024 – 2026) | 7.43% | 12.28% | 85-96 months |
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
EV and Hybrid Auto Loan Rates
New EV auto loans
New EV auto (2024 – 2026)
New EV auto (2024 – 2026)
New EV auto (2024 – 2026)
Used EV auto loans
Used EV auto (2010 – 2023)
Used EV auto (2010 – 2023)
Used EV auto (2010 – 2023)
New Hybrid auto loans
New hybrid auto (2024 – 2026)
New hybrid auto (2024 – 2026)
New hybrid auto (2024 – 2026)
Used Hybrid auto loans
Used hybrid auto (2024 – 2026)
Used hybrid auto (2024 – 2026)
Used hybrid auto (2024 – 2026)
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:
- A $10,000 new auto loan with a 60 month repayment term will have a 5.44% APR and a monthly payment of $191.90.
- A $20,000 used auto loan with a repayment term of 84 months will have a 6.93% APR and a monthly payment of $303.65.
- A $40,000 new auto loan with a 96 month repayment term will have a 7.43% APR and a monthly payment of $559.06.
If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.
We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.
Vehicle loan payment calculator*
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer’s rebate, the trade-in value of your old vehicle, less any outstanding balance, your down payment, etc. Once the loan amount is determined, the interest rate and the term of the loan will be used to estimate your vehicle payment.
Vehicle refinance calculator*
Use our vehicle refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.
*Interactive calculators are made available as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
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