Auto loan rates as low as 5.94% APR open up exciting new roads
We’re excited to help you hit the road with auto loan rates as low as 5.94% APR. Enjoy loan terms up to 72 months, no payments for 90 days, and your choice of new or used vehicles. Members and future members can also get these rates when financing through a participating dealership. Simply mention Oregon State Credit Union when it's time to buy your car.
Refinance your auto loan and get 1% cash back*
Life’s full of things that matter—family adventures, weekend getaways, hobbies, and saving for what’s next. What if your auto loan could help you do more of what you love? Apply by December 15 and you’ll get 1% cash back* on any auto loan you refinance from another lender!
Why refinance with Oregon State Credit Union?
- Potentially lower monthly payments, (more room in your budget)
- 1% cash back on the refinanced loan amount
- Pay no DMV title fee
- Make no payments for 90 days (on qualified applications)
- Friendly, local service that makes it simple
- Quick and easy process — we'll guide you through it. We've got you!
*Cash back and waived title fees offer effective 10/14/25 through 12/15/25 and subject to change without notice. Offer only eligible for refinanced vehicles from another financial institution or lender. Vehicles with existing Oregon State Credit Union auto loans are not eligible for this offer. Cash back is calculated as 1% of the final total loan amount, including ancillary products (if any). Limit of one offer per vehicle. Applications for refinancing that are submitted within the promotional period must be funded by 01/16/26 to qualify. Payouts will be made to borrower’s Oregon State Credit Union account on or before 02/13/26. Loan must have a balance on the date the cashback is scheduled and must not be past due. Borrower must have a share account with the Credit Union, for cash back offer to be paid. Rates, terms, and special offer are subject to change. Conditions and restrictions apply.
Extra discounts on electric and hybrid vehicles
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0.50% off your rate for an electric vehicle
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0.25% off your rate for a hybrid vehicle
When you select a loan type in the online application:
Choose “New Auto” if your model year is 2024 - 2026.
Choose “Used Auto” if your model year is 2010 - 2023.
Vehicle financing, new and used
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Purchase a new or used vehicle — Low rate and fast, local service, plus credit union savings.
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Refinance your loan with us — You could lower your monthly payments.
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Vehicle title loan — Use the value in your car or truck as collateral and get cash back.
| Vehicle type | APR (Low)* | APR (High) | Repayment terms |
|---|---|---|---|
Choose a branch to apply for auto loans || Call 541-714-4000 | |||
New auto loans | |||
| New auto (2024 - 2026) | 5.94% | 17.04% | Up to 72 months |
| New auto (2024 - 2026) | 5.94% | 17.78% | 73-84 months |
| New auto (2024 - 2026) | 7.93% | 17.53% | 85-96 months |
Used auto loans | |||
| Used auto (2010 - 2023) | 6.44% | 17.79% | Up to 72 months |
| Used auto (2010 - 2023) | 7.43% | 17.53% | 73-84 months |
| Used auto (2010 - 2023) | 8.18% | 12.78% | 85-96 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. Additional 0.25% APR reduction may be applied for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
Payment examplesThe 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:
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 type | APR (Low)* | APR (High) | Repayment terms |
|---|---|---|---|
Choose a branch to apply for auto loans || Call 541-714-4000 | |||
New EV auto loans | |||
| New EV auto (2024 - 2026) | 5.44% | 16.54% | Up to 72 months |
| New EV auto (2024 - 2026) | 5.44% | 17.28% | 73-84 months |
| New EV auto (2024 - 2026) | 7.43% | 17.03% | 85-96 months |
Used EV auto loans | |||
| Used EV auto (2010 - 2023) | 5.94% | 17.29% | Up to 72 months |
| Used EV auto (2010 - 2023) | 6.93% | 17.03% | 73-84 months |
| Used EV auto (2010 - 2023) | 7.68% | 12.28% | 85-96 months |
New Hybrid auto loans | |||
| New hybrid auto (2024 - 2026) | 5.69% | 16.79% | Up to 72 months |
| New hybrid auto (2024 - 2026) | 5.69% | 17.53% | 73-84 months |
| New hybrid auto (2024 - 2026) | 7.68% | 17.28% | 85-96 months |
Used Hybrid auto loans | |||
| Used hybrid auto (2024 - 2026) | 6.19% | 17.54% | Up to 72 months |
| Used hybrid auto (2024 - 2026) | 7.18% | 17.28% | 73-84 months |
| Used hybrid auto (2024 - 2026) | 7.93% | 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, receiving a 0.25% APR reduction for qualifying for the Premier Member Merits category, and receiving a 0.25% APR reduction when purchasing a hybrid vehicle or 0.50% for purchasing an electric vehicle. The Member Merits rate discounts are subject to change. | |||
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 - Oregon State Credit Union
Use our vehicle refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.
Boost your money-saving, car-purchasing power
- Competitive rates:
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A new auto loan for a vehicle from the current or previous model years offers fixed rates with terms up to 96 months.
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A used auto loan for vehicles up to 15 years old has fixed rates and terms up to 96 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.
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Low-to-no fees is how we do auto loans. We’re a not-for-profit credit union focused on members, not stock holders.
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Local decision making fuels our auto loan decisions for all the communities we serve.
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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%.