Auto loans
Explore today's best auto loan rates.
OnPoint offers flexible, local financing for new or used vehicles and affordable refinancing options. We make it easier to get the financing you need. Our top rates on auto loans for cars, trucks, and vans are market-leading. Is your rate better? See if we can beat it 1!
Buy new
If you want the latest and greatest, we’ve got the low-rate financing to make it happen.
Buy used
Get the financing you need with flexible options to fit your budget.
Refinance
See how exploring your options could lower your interest rate or monthly payment or buy out your lease.
Dealership financing
Search for your next vehicle online with AutoSMART and get on-the-spot financing3 at the dealership.
Type | Available terms | Annual percentage rate (fixed)1 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 04-27-2025 Learn more about auto loansAll loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum loan-to-value (LTV) may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value for New and Used Autos. MSRP will be used for New Autos when vehicle has not been previously titled. Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off stated APR (annual percentage rate). Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate
| |||
Type Cars, trucks, vans - new (2022 and newer) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.24% - 9.69% | Estimated minimum monthly payment $294.12 based on a 60 month, $15,000 loan at 6.59% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 72 months | Annual percentage rate (fixed)1 6.49% - 10.14% | Estimated minimum monthly payment $255.98 based on a 72 month, $15,000 loan at 6.84% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 84 months1 | Annual percentage rate (fixed)1 6.74% - 10.39% | Estimated minimum monthly payment $228.52 based on an 84 month, $15,000 loan at 7.29% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 96 months2 | Annual percentage rate (fixed)1 7.49% - 11.99% | Estimated minimum monthly payment $359.67 based on a 96 month, $25,000 loan at 8.49% APR* |
Type Cars, trucks, vans - used (2015-2021) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.39% - 10.09% | Estimated minimum monthly payment $296.24 based on a 60 month, $15,000 loan at 6.89% APR* |
Type Cars, trucks, vans - used (2015-2021) | Available terms 72 months3 | Annual percentage rate (fixed)1 6.64% - 10.44% | Estimated minimum monthly payment $256.74 based on a 72 month, $15,000 loan at 7.14% APR* |
Type Cars, trucks, vans - used (2019-2021) | Available terms 84 months4 | Annual percentage rate (fixed)1 7.09% - 11.74% | Estimated minimum monthly payment $232.23 based on an 84 month, $15,000 loan at 7.79% APR* |
Type Auto 2014 and older, other titled vehicles3 | Available terms Up to 60 months | Annual percentage rate (fixed)1 11.24% - 13.24% | Estimated minimum monthly payment $109.31 based on a 60 month, $5,000 loan at 11.24% APR* |
Type | Available terms1 | Annual percentage rate (Fixed)2 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 04-27-2025 Learn more about motorcycle, boat & RV loansAll loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. For new and used motorcycle, boat and RVs, maximum LTV is 100% unless otherwise noted. 1 Maximum loan term determined by loan amount and collateral. Maximum term for motorcycles (any amount) is 60 months. For boat and RV: $10,000 or less loan amount has a maximum loan term of 60 months, $10,000 – $50,000 loan amount has a maximum loan term of 120 months, and loan amounts over $50,000 have a maximum loan term of 180 months. 2 OnPoint Rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 3 Includes autos 2015 and older; motorcycles, boats, RVs 2015 and older; and small recreation vehicles including (but not limited to) ATVs, jet skis, and cargo trailers. Maximum LTV is 100% unless otherwise noted. LTV calculated using Kelley Blue Book retail value or J.D. Power high value. Subject to credit approval and collateral evaluation | |||
Type Motorcycles, boats and RVs | Available terms1 60 months | Annual percentage rate (Fixed)2 9.49%- 12.99% | Estimated minimum monthly payment $217.37 based on a 60 month, $10,000 loan at 10.99% APR |
Type Boats and RVs | Available terms1 120 months | Annual percentage rate (Fixed)2 10.49% - 13.99% | Estimated minimum monthly payment $ 215.12 based on a 120 month, $15,000 loan at 11.99% APR |
Type Boats and RVs | Available terms1 180 months | Annual percentage rate (Fixed)2 11.49% - 14.99% | Estimated minimum monthly payment $758.75 based on a 180 month, $60,000 loan at 12.99% APR |
Type Motorcycles, boats and RVs | Available terms1 60 months | Annual percentage rate (Fixed)2 9.99% - 13.49% | Estimated minimum monthly payment $219.88 based on a 60 month, $10,000 loan at 11.49% APR |
Type Boats and RVs | Available terms1 120 months | Annual percentage rate (Fixed)2 10.99% - 14.49% | Estimated minimum monthly payment $219.48 based on a 120 month, $15,000 loan at 12.49% APR |
Type Boats and RVs | Available terms1 180 months | Annual percentage rate (Fixed)2 11.99% - 15.49% | Estimated minimum monthly payment $778.59 based on a 180 month, $60,000 loan at 13.49% APR |
Type Motorcycles, boats and RVs | Available terms1 Up to 60 months | Annual percentage rate (Fixed)2 11.49% - 13.49% | Estimated minimum monthly payment $109.94 based on a 60 month, $5,000 loan at 11.49% APR |
How to get pre-approved
It’s easy to get pre-approved with OnPoint, either online or at your local branch.
New or used auto purchase
Apply online or at your local OnPoint branch for new or used auto purchases:
Please be ready to provide:
- Personal information, such as name, address, and date of birth
- Employment and income information
- Estimated purchase price and what you can provide as a down payment
- Information about any trade-in vehicles
- Year, make, and model of the vehicle you want to purchase if you’ve already picked it out
Auto refinance
Got a great rate? See if we can beat it to provide you with a better interest rate, lower monthly payments or both.
Please be ready to provide:
- Personal information, such as name, address, and date of birth
- Employment and income information
- Details on your vehicle, including year, make, model, and mileage
- Ten-day payoff quote from your current lender
- Your current interest rate
Why should you get pre-approved?
As you start shopping for an auto loan, you’ll hear the terms pre-approved or pre-qualified used interchangeably. They are similar concepts, and different lenders may define them differently, so you’ll want to understand the specific lender’s terms and conditions.
Generally speaking, a pre-qualification is a soft inquiry on your credit information that provides an estimate of what you can borrow, while a pre-approval, placing a hard inquiry on your credit report, gives you greater certainty as to what you can afford and what financing you qualify for. A pre-approval can streamline the process whether you buy from a dealer or a private party.
Dealership or credit union financing
When it comes to financing, you might find yourself choosing between dealer financing or getting a credit union loan. Depending on the vehicle, they each have advantages.
Neither option is inherently better than the other―it depends on your needs and what you are looking for. Be sure to compare your options as much as possible to ensure you get the best rate.
Pros and cons of using a dealership vs. credit union for your auto financing needs
- The option to get pre-approved can streamline the purchasing process, as financing at a dealership can add hours to your wait.
- The option to get pre-approved can streamline the purchasing process, as financing at a dealership can add hours to your wait.
- A network of lenders and dealerships such as AutoSMART makes it easy to finance through your credit union and complete the purchase at the dealership, getting all the paperwork done in one place.
- A network of lenders and dealerships such as AutoSMART makes it easy to finance through your credit union and complete the purchase at the dealership, getting all the paperwork done in one place.
- You can choose the lender, giving you the option to compare rates. OnPoint could beat your existing rate on refinances.
- You can choose the lender, giving you the option to compare rates. OnPoint could beat your existing rate on refinances.
- Flexibility to finance a private-party purchase, subject to the vehicle meeting lending requirements.
- Flexibility to finance a private-party purchase, subject to the vehicle meeting lending requirements.
- If you’re buying from a dealership that doesn’t participate in a network with your lender, the process could take longer if you have to coordinate signing for the loan and picking up a check to take to the dealership
- If you’re buying from a dealership that doesn’t participate in a network with your lender, the process could take longer if you have to coordinate signing for the loan and picking up a check to take to the dealership
- You aren’t guaranteed a lower rate than the dealer option
- You aren’t guaranteed a lower rate than the dealer option
- You may need to do some additional research to make sure the vehicle you want meets lending eligibility requirements
- You may need to do some additional research to make sure the vehicle you want meets lending eligibility requirements
- May offer 0% financing, especially on new vehicles
- May offer 0% financing, especially on new vehicles
- Convenience of having the dealer arrange the financing details for you
- Convenience of having the dealer arrange the financing details for you
- Flexibility to buy your car at any dealer, not just one that works with your lender
- Flexibility to buy your car at any dealer, not just one that works with your lender
- Some dealers are set up to work with people with bad credit, although the rate and down payment requirements might be high
- Some dealers are set up to work with people with bad credit, although the rate and down payment requirements might be high
- Dealer gets to choose the lender, limiting your ability to rate shop
- Dealer gets to choose the lender, limiting your ability to rate shop
- Interest rates might be higher due to a dealer mark-up used as compensation for arranging the financing
- Interest rates might be higher due to a dealer mark-up used as compensation for arranging the financing
- No option for private-party purchases
- No option for private-party purchases
Why choose OnPoint for your next auto loan?
OnPoint offers flexible, local financing for new or used vehicles and affordable refinancing options. We streamline the process to make it easier to get the financing you need.
We could beat your current rate.
Do you already have a good auto loan rate? Bring us your loan rate and see if we can beat your current rate.1 It’s now fast and easy to enjoy every mile just a little bit more.
We offer a Green Auto Discount.
Save money while doing your part to protect the environment. Get a discount of 0.25%2 APR* when you finance your electric or hybrid vehicle with OnPoint.
We work with local dealerships.
Search thousands of vehicles near you with OnPoint and AutoSMART. Plus, you can get on-the-spot OnPoint financing3 within minutes from our dealer partners.
Quick and easy application process.
Getting an excellent auto loan rate is easy. You can apply online now using our secure application, or bring your information to your nearest OnPoint branch. Here’s what you’ll need:
- Your personal information such as your name, address, phone number and Social Security number
- The make, model and year of your vehicle or the vehicle your would like to finance
- The amount you would like to finance or refinance
- Your current interest rate for refinances and beat rate
It’s that simple to receive your decision in minutes—whether you apply in person or online. Once you submit your application we’ll verify your new rate, provide next steps, and help with the paperwork.
Get the flexible financing you need.
Stop by an OnPoint branch.
Find a nearby location or ATMApply online.
Get started todayGive us a call.
Disclosures
- *APR=Annual Percentage Rate
- 1Must meet OnPoint Community Credit Union membership and credit requirements. Maximum rate reduction is 0.50% APR (Annual Percentage Rate) lower than current loan rate with a minimum rate of 1.00% APR below current published standard rates. Offer available on new or used auto loan purchase or refinance (2014 model year or newer). Verification of competitor’s rate is required. No cash out. Loan to value cannot exceed OnPoint’s loan to value guidelines for product type. Discount does not apply to existing OnPoint auto loans or promotional rates. All OnPoint loans subject to credit terms and approval. Available rates and terms determined by creditworthiness.
2Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR (Annual Percentage Rate). All OnPoint loans are subject to credit terms approval. Discount does not apply to existing OnPoint auto loans.
3Subject to credit terms and approval.
