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Auto Loan Details
New & used auto loans
Whether you’re shopping for something new, looking for a used ride, or want to refinance your current auto loan, orsa credit union makes it easy to stay on the road without speeding past your budget.
Auto Loan Rates
Date Updated June 16, 2026
Terms available for 84 months and longer, call to get a personalized quote.
*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 6.74% APR, the monthly payment would be $295.23. An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.
Apply for your auto loan today!
Ready to finance your next car? Apply now to get pre-approved in minutes and behind the wheel in no time!
GAP Insurance
GAP insurance
Stay extra-protected in the event of a totaled car. Gap insurance covers the loan balance that your regular insurance won't cover, saving you from potentially paying thousands out of pocket.
Mechanical Repair Coverage
Mechanical Repair Coverage
Don’t let a wear and tear repair bill leave you stranded. Mechanical repair coverage helps to keep you protected when parts fail or an unexpected expense pops up!
Auto Loan Resources
Auto buying tips
Explore helpful tips, tools, and expert advice to make smart decisions when buying, financing, and protecting your vehicle.
Guide
How Much Car Can (Should!) I Afford?
A simple and straight-forward guide to figuring out how expensive of a car you should buy or lease on your budget.
Guide
How to Budget for a New Car
Lease? Buy? Uber? Find the right transportation option that won’t break your budget.
Guide
How to Get a Car Loan
Pro tip: to get the best rate, check your credit score and shop around for the best deal.
Payment Portal
Make a payment
Easily manage your loan payments with our secure online portal. Make one-time payments or set up recurring payments in just a few clicks.
Loans From orsa
Other loan options
Looking for a different kind of loan? We offer a wide range of borrowing solutions to fit your needs, including personal loans, home equity lines of credit, and more.
Frequently Asked Questions
Auto Loan FAQ
Have questions about applying, payments, or qualifications? Find quick answers to our most common loan-related questions right here.
You can apply online, over the phone, or at any of our branch locations. The process is quick and easy, and we’re here to help.
Typically, new vehicles receive lower interest rates than used ones. See our Rates page for current offers.
Many borrowers qualify for 0% down loans. Your credit and the vehicle’s value may affect this.
Most members are approved within one business day—often sooner.
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
