Auto loans

If buying a car is in your future, we’ve got the vehicle loan you need. Get an auto loan from Oregon State Credit Union to buy or refinance a new or used vehicle. We're a not-for-profit credit union, so instead of paying investors we reinvest our earnings to benefit our members.

  • Competitive rates. low-to-no fees, local decision making and great credit union service.

Apply online for an auto loan


Auto loan disclosures, rates and fees

Auto loan rates
Effective Date: Thursday, July 2nd, 2020
Vehicle typeAPR (Low)*APR (High)Repayment terms
New auto (2019 - 2020) 3.24% 16.24% Up to 72 months
New auto (2019-2020) 3.74% 16.49% 73-84 months
Used auto (2005-2018) 3.49% 16.74% Up to 72 months
Used auto (2005-2018) 3.99% 16.99% 73-84 months
Classic used auto (2004 and older) 3.49% 16.74% Up to 60 months

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest 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 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 3.24% APR and a monthly payment of $180.79. A $20,000 used auto loan with a repayment term of 84 months will have a 3.99% APR and a monthly payment of $273.34. 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 online for an auto loan

Try these helpful car-buying resources

AutoSmart - An easy way to shop online for your next car.

Loan calculators - How much vehicle to buy; payments; buy or lease considerations.

Educational articles - Learn about key considerations of buying a new or used vehicle.

Mechanical Repair Coverage - Help protect yourself from financial loss when a vehicle breaks down.

Visit one of our branches or call 800-732-0173.

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