Auto loans with our best rates as low as 7.24% APR

Save with auto loans at Oregon State Credit Union with great everyday rates.

Apply today: Call 800-732-0173 or visit a branch.

Apply for your loan today:

  1. Vehicle title loan — Use the value in your car or truck as collateral; get affordable cash back.

  2. Purchase a new vehicle — Low rate and fast, local service.

  3. Refinance your loan from another institution — Bring us your loan for credit union savings.

Auto loan calculator

Auto loan payment calculator - Oregon State Credit Union

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.

Loan Amount


Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards 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 issues.

Auto loan rates, fees and disclosures
Effective Date: Tuesday, October 3rd, 2023
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 typeAPR (Low)*APR (High)Repayment terms

Choose a branch to apply for auto loans || Call 800-732-0173

New auto loans

New auto (2022 - 2023) 7.24% 17.49% Up to 72 months
New auto (2022 - 2023) 7.74% 17.74% 73-84 months

Used auto loans

Used auto (2008-2021) 7.49% 17.99% Up to 72 months
Used auto (2008-2021) 7.99% 18.24% 73-84 months
Classic used auto 7.49% 17.99% Up to 60 months

About these auto loan rates

* 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 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Payment examples

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 7.24% APR and a monthly payment of $199.15

  • A $20,000 used auto loan with a repayment term of 84 months will have a 7.99% APR and a monthly payment of $311.65.

  • 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.

Apply today: Call 800-732-0173 or visit a branch.

Boost your money-saving, car-purchasing power

  • Competitive rates:
    • A new auto loan for a vehicle from the current or previous model years offers fixed rates with terms up to 84 months.

    • A used auto loan for vehicles up to 15 years old has fixed rates and terms up to 84 months.

    • A classic used auto loan also offers fixed rates and terms up to 60 months.

    • Reduced rate options include a 0.25% APR (Annual Percentage Rate) reduction by maintaining an automatic loan payment each month, or a 0.25% APR reduction for qualifying for the Premier Member Merits category.
  • Low-to-no fees is how we do auto loans. We’re a not-for-profit credit union focused on members, not stock holders.

  • Local decision making fuels our auto loan decisions for all the communities we serve.

  • Personal service is how we've been serving members since 1954. That's a lot of car loans and other services geared just for our members.

  • Be informed: Can you afford a 0% interest auto loan?. You’ve seen auto dealers offering 0% interest on car loans, and maybe you’ve wondered how they can afford to make that offer. It’s simple: very few people actually qualify for the 0%.
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