Auto loans for new and used cars and trucks

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Finance new, used and classic vehicles with Oregon State Credit Union.

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Calculate your car loan payment here and consider purchase prices. Graphs show you different loan terms, down payments or monthly payments.

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Find cars online and compare options. Search for and locate vehicles, check details, then apply for a loan and see our preferred dealer list

Auto loan rates, fees and disclosures
Effective Date: Monday, November 28th, 2022
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

Apply for an auto loan online || Choose a branch to apply for auto loans || Call 800-732-0173

New auto loans

New auto (2021 - 2022) 5.74% 17.49% Up to 72 months
New auto (2021 - 2022) 6.24% 17.74% 73-84 months

Used auto loans

Used auto (2007-2020) 5.99% 17.99% Up to 72 months
Used auto (2007-2020) 6.49% 18.24% 73-84 months
Classic used auto 5.99% 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 5.74% APR and a monthly payment of $192.12

  • A $20,000 used auto loan with a repayment term of 84 months will have a 6.49% APR and a monthly payment of $296.92.

  • 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.

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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%.

Apply online for an auto loan

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