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!

Apply now | Auto loan

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

Looking at an electric or hybrid vehicle? Plug-in to extra savings with our new permanent rate discounts.
  • 0.50% off your rate for an electric vehicle
  • 0.25% off your rate for a hybrid vehicle
And yes, these discounts stack with our automatic payment and our member merits discounts, offering members incredible savings.
Check out electric and hybrid vehicle rates.

 

Apply now | Auto loan

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.


Check auto loan rates Rates - new and used

Check auto loan rates here


Vehicle loan calculator Loan: calculate

Vehicle loan calculator


Vehicle refinance calculator Refi: calculate

Vehicle refinance calculator


Vehicle financing, new and used

  1. Purchase a new or used vehicle — Low rate and fast, local service, plus credit union savings.

  2. Refinance your loan with us — You could lower your monthly payments.

  3. Vehicle title loan — Use the value in your car or truck as collateral and get cash back.


Auto loan rates, fees and disclosures
Effective Date: Sunday, October 19th, 2025
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 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 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 5.94% APR and a monthly payment of $193.09.

  • A $20,000 used auto loan with a repayment term of 84 months will have a 7.43% APR and a monthly payment of $306.08.

  • A $40,000 new auto loan with a 96 month repayment term will have a 8.18% APR and a monthly payment of $569.13.

  • 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.


EV and Hybrid Auto loan rates, fees and disclosures
Effective Date: Sunday, October 19th, 2025
Vehicle typeAPR (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.

Loan Amount

Assumptions


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.

Current Loan

Proposed Loan


Apply now | Auto loan


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 96 months.

    • 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.
  • 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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