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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.
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Find the local new or used vehicle you’re looking for through our auto shopping portal!
And More!
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.
Auto Loan Rates
Date Updated Aug 28, 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 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.
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.