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Auto Loan Refinancing
Lower your monthly payment. Get paid for it.
High monthly payments are a problem. We’re here to help. Refinance your current loan with a lower rate at orsa, and we’ll cover your first payment up to $500!† Not all will qualify.
Plus, every refinanced auto loan comes with a chance to win free gas for a year ($5,500 cash prize)** until 10/31!
Exclusive Offer
Finance with orsa and you’re automatically entered for a chance to win FREE GAS for a year.**
Happy with your wheels? You can still enter for free.
Auto Loan Details
New & used auto loans
With low, affordable rates and flexible terms, it’s easy to find financing that fits—and you can count on fast processing, 0% down options, and zero application fees to get you on the road in no time.
Start Here
More than just loans, we’ve got your back.
Giving you the tools, info, and support you need to help make the entire ride a smooth one.
Shop: Coming Soon!
Find the local new or used vehicle you’re looking for through our auto shopping portal!
And More!
Auto Loan Rates
Date Updated Oct 14, 2026
New |
|---|
APR* as low as |
Term |
Used |
APR* as low as |
Term |
Classic, Collectible & Special Interest Autos |
APR* as low as |
Term |
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 5.79% APR, the monthly payment would be $289.21. 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.
Ownership Peace Of Mind
Keep that new car smile going for miles to come
Add Gap Insurance and Mechanical Repair Coverage to make sure every drive is as happy as the last.
Payment Center
Managing your loan
Easy 24/7 online access to your loan… and more!
Payment Portal
Pay online on 24/7. (Remember to setup auto pay to unlock a .25% rate discount!)
Skip-A-Pay
Need a break? Eligible loans can skip up to two payments a year, so you can use that cash for something else!
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 to Trade in a Car with a Loan
You can trade in a car you still owe money on, but it can make your next purchase a little more complicated. Learn how your payoff amount, trade-in value and equity can affect your next car purchase.
Guide
A Car Buyer's Guide to Dealer Add-Ons
Dealer add-ons can quickly change the price of a car and the amount you end up financing. Before you start signing, here’s what to know about some of the extras you may be offered and the questions to ask before you say yes.
Guide
Benefits of a Preapproved Car Loan
Getting preapproved before you start car shopping helps you understand what you can afford, set a realistic price range and head into the car-buying process with more confidence. So, before you start scrolling through listings and walking deal lots, start with your financing.
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.
How much can we save you on your next vehicle?
Apply for your auto loan now and get pre-approved fast, with no application fees or impact on your credit score!
** FREE GAS FOR A YEAR | Auto SweepstakesFull Official Rules1. Sponsororsa credit union, 500 S Harvey St, Plymouth, MI 48170, Insured by NCUA.2. Promotion PeriodBegins 9:00am ET on September 8, 2026. Ends 11:59pm ET on October 31, 2026 ("Promotion Period"). To qualify for a loan entry, the loan must close within the Promotion Period.3. EligibilityOpen to legal residents of Michigan, age 18 or older, who are members of orsa credit union at time of entry. Both entry methods (Section 4) require membership. Employees, officers, and directors of orsa credit union, its marketing/advertising vendors and agencies, and their immediate family members or household members, are not eligible. Void where prohibited.4. How to EnterEach person may receive only one entry total, regardless of method.Loan Entry: Originate and close a new direct auto loan with orsa credit union during the Promotion Period. One entry per person, regardless of number of loans closed.Free Entry (No Purchase Necessary):
(Mail or Branch Drop-off): Complete a 3x5 card with full name, mailing address, phone number, email address, and orsa membership/account number, and either (a) mail it to: Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked during the Promotion Period, or b) drop it off in person at the orsa Plymouth branch, 500 S Harvey St, Plymouth, MI 48170, during the Promotion Period.Limit: one entry per person regardless of method. Duplicate entries will be disqualified.5. PrizeThree (3) winners will each receive a one-time cash prize of $5,500 (total prize pool: $16,500), paid as a single payment via direct deposit to the winner's orsa credit union account, or by check if the winner does not hold an eligible account. Approximate Retail Value (ARV): $5,500 per winner. No substitution except at sponsor's discretion. Prizes are non-transferable.6. Winner Selection & NotificationThree (3) winners will be selected in a random drawing from all eligible entries on November 2, 2026. Odds of winning depend on the number of eligible entries received. Each winner will be notified by phone or email within 7 business days of the drawing and must respond within 7 days or an alternate winner will be selected in their place.Each winner will be required to sign an affidavit of eligibility and liability release before prize issuance. Publicity is not a condition of payment: winners who decline to sign the publicity/media release will still receive their full prize; sponsor will select a different winner to feature in marketing.To request the names of winners, send a written request to Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked by January 2, 2027.7. Publicity & Use of Entry InformationBy entering, each participant grants orsa credit union a non-exclusive right to use their name, image, voice, and any submitted photos or video for advertising and promotional purposes, in any media, worldwide, in perpetuity, without additional compensation or approval rights, except that a winner's participation in featured marketing beyond the standard "winner announcement" is voluntary and requires a separate signed release (see Section 6).Entering this sweepstakes does not enroll participants in marketing calls, texts, or email lists. Participants who wish to receive ongoing marketing communications from orsa credit union may opt in separately at orsacu.org.8. TaxesEach winner is responsible for all applicable federal, state, and local taxes on their individual prize. Because each prize value exceeds $600, sponsor will issue an IRS Form 1099 to each winner and must collect a completed W-9 from each winner before prize issuance.9. General ConditionsSponsor reserves the right to cancel, suspend, or modify this promotion if fraud, technical failure, or any factor beyond sponsor's control impairs its integrity, and to disqualify any entrant found tampering with the entry process, including use of automated, robotic, or bulk-submission methods to generate entries. By entering, participants release and hold harmless orsa credit union, its employees, and affiliates from liability related to participation or prize use.10. Governing LawThis sweepstakes and these Official Rules are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Any dispute arising from this promotion will be resolved in a court of competent jurisdiction in Michigan.11. PrivacyInformation collected will be used to administer this promotion in accordance with orsa credit union's privacy policy at orsacu.org/privacy-policy.12. Sponsor DisclaimerThis promotion is in no way sponsored, endorsed, administered by, or associated with any state or federal agency.† This promotion is subject to credit approval and underwriting guidelines. Refinancing loans must originate from sources other than orsa credit union. Promotional period runs October 1, 2026, through December 31, 2026. Applications must be received by 11:59 PM eastern on December 31, 2026. Upon loan funding, orsa credit union will deposit an amount equal to the member's first monthly payment—not to exceed $500—into the member's Basic Savings account within seven business days. The promotional deposit constitutes taxable income and will be reported on IRS Form 1099-INT. Members are responsible for reporting this income on applicable tax returns. This promotion cannot be combined with other offers that modify loan terms. There is no limit to the number of qualifying refinances per member during the promotional period. Each loan must meet all Credit Union underwriting requirements. orsa credit union reserves the right to modify, suspend, or terminate this promotion at any time without notice. All loan terms will be disclosed in accordance with Truth in Lending Act requirements. Membership eligibility required.
(Mail or Branch Drop-off): Complete a 3x5 card with full name, mailing address, phone number, email address, and orsa membership/account number, and either (a) mail it to: Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked during the Promotion Period, or b) drop it off in person at the orsa Plymouth branch, 500 S Harvey St, Plymouth, MI 48170, during the Promotion Period.Limit: one entry per person regardless of method. Duplicate entries will be disqualified.5. PrizeThree (3) winners will each receive a one-time cash prize of $5,500 (total prize pool: $16,500), paid as a single payment via direct deposit to the winner's orsa credit union account, or by check if the winner does not hold an eligible account. Approximate Retail Value (ARV): $5,500 per winner. No substitution except at sponsor's discretion. Prizes are non-transferable.6. Winner Selection & NotificationThree (3) winners will be selected in a random drawing from all eligible entries on November 2, 2026. Odds of winning depend on the number of eligible entries received. Each winner will be notified by phone or email within 7 business days of the drawing and must respond within 7 days or an alternate winner will be selected in their place.Each winner will be required to sign an affidavit of eligibility and liability release before prize issuance. Publicity is not a condition of payment: winners who decline to sign the publicity/media release will still receive their full prize; sponsor will select a different winner to feature in marketing.To request the names of winners, send a written request to Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked by January 2, 2027.7. Publicity & Use of Entry InformationBy entering, each participant grants orsa credit union a non-exclusive right to use their name, image, voice, and any submitted photos or video for advertising and promotional purposes, in any media, worldwide, in perpetuity, without additional compensation or approval rights, except that a winner's participation in featured marketing beyond the standard "winner announcement" is voluntary and requires a separate signed release (see Section 6).Entering this sweepstakes does not enroll participants in marketing calls, texts, or email lists. Participants who wish to receive ongoing marketing communications from orsa credit union may opt in separately at orsacu.org.8. TaxesEach winner is responsible for all applicable federal, state, and local taxes on their individual prize. Because each prize value exceeds $600, sponsor will issue an IRS Form 1099 to each winner and must collect a completed W-9 from each winner before prize issuance.9. General ConditionsSponsor reserves the right to cancel, suspend, or modify this promotion if fraud, technical failure, or any factor beyond sponsor's control impairs its integrity, and to disqualify any entrant found tampering with the entry process, including use of automated, robotic, or bulk-submission methods to generate entries. By entering, participants release and hold harmless orsa credit union, its employees, and affiliates from liability related to participation or prize use.10. Governing LawThis sweepstakes and these Official Rules are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Any dispute arising from this promotion will be resolved in a court of competent jurisdiction in Michigan.11. PrivacyInformation collected will be used to administer this promotion in accordance with orsa credit union's privacy policy at orsacu.org/privacy-policy.12. Sponsor DisclaimerThis promotion is in no way sponsored, endorsed, administered by, or associated with any state or federal agency.† This promotion is subject to credit approval and underwriting guidelines. Refinancing loans must originate from sources other than orsa credit union. Promotional period runs October 1, 2026, through December 31, 2026. Applications must be received by 11:59 PM eastern on December 31, 2026. Upon loan funding, orsa credit union will deposit an amount equal to the member's first monthly payment—not to exceed $500—into the member's Basic Savings account within seven business days. The promotional deposit constitutes taxable income and will be reported on IRS Form 1099-INT. Members are responsible for reporting this income on applicable tax returns. This promotion cannot be combined with other offers that modify loan terms. There is no limit to the number of qualifying refinances per member during the promotional period. Each loan must meet all Credit Union underwriting requirements. orsa credit union reserves the right to modify, suspend, or terminate this promotion at any time without notice. All loan terms will be disclosed in accordance with Truth in Lending Act requirements. Membership eligibility required.