Get Pre-Approved & Save

When you apply and get pre-approved through your Credit Union, you can rest assured you're getting the best financing there is. We offer low rates starting at 2.49% APR¹ with flexible terms, streamlined processing, and up to 90 days with no payments² — plus the excellent service you deserve.

Your Keys To Savings

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0.25% Rate Discount³

Lower your interest rate even more when you shop for your next car with our partners at Autoland. They'll do all the work to find the car you want, with no-haggle pricing and contactless delivery.

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Up to 90 Days with No Payments²

Keep more money in your pocket and take the next 30, 60, or 90 days off from payments.

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Enter to Win: $500 back to you⁴

Through the end of the year, we're giving away $500 to a lucky Member each month. You'll be entered to win when you fund your new auto loan — whether you purchase a car or refinance your existing loan.⁵

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0.25% Rate Discount³

Lower your interest rate even more when you shop for your next car with our partners at Autoland. They'll do all the work to find the car you want, with no-haggle pricing and contactless delivery.

Q4-2021-auto-icon-key-2.png

Up to 90 Days with No Payments²

Keep more money in your pocket and take the next 30, 60, or 90 days off from payments.

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Enter to Win: $500 back to you⁴

Through the end of the year, we're giving away $500 to a lucky Member each month. You'll be entered to win when you fund your new auto loan — whether you purchase a car or refinance your existing loan.⁵


We can help you:

Buy a New or Used Car

When you get pre-approved, you can shop with confidence, knowing you've already secured a low rate. Buy from our concierge car-buying service, a local dealer, or from a private party.

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Refinance Your Existing Auto Loan

Lower your monthly payments or pay off your loan sooner when you use your pre-approval to refinance your existing auto loan from another lender.⁵

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Buy Out Your Existing Lease

Love your current leased car? Use your pre-approval to buy out your lease instead. We can help you look at your leasing agreement to see if a buyout makes sense for you.

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Key Icon
Key Icon
Buy a New or Used Car

When you get pre-approved, you can shop with confidence, knowing you've already secured a low rate. Buy from our concierge car-buying service, a local dealer, or from a private party.

Hands Cradling a Dollar Sign Icon
Hands Cradling a Dollar Sign Icon
Refinance Your Existing Auto Loan

Lower your monthly payments or pay off your loan sooner when you refinance your existing auto loan from another lender.⁵

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Dollar sign and car icon
Buy Out Your Existing Lease

Love your current leased car? Buy out your lease instead. We can help you look at your leasing agreement to see if a buyout makes sense for you.

No Haggle Pricing and Contactless Delivery

We’ve made it easy to find your next car. Enjoy haggle-free, competitive pricing with our contactless concierge. Autoland will take care of everything for you, from finding your dream car to delivering it right to your door, so you never even have to leave home.

When you buy through Autoland right now, you'll get 0.25% off your loan rate!

Autoland logo

No-Haggle Pricing and Contactless Delivery

We’ve made it easy to find your next car. Enjoy haggle-free, competitive pricing with our contactless concierge. Autoland will take care of everything for you, from finding your dream car to delivering it right to your door, so you never even have to leave home.

When you buy through Autoland right now, you'll get 0.25% off your loan rate!


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Looking for some guidance?

Our experts are here to help. Call us, come into a branch, or check out some of our helpful articles on car buying:

What will my payment look like?

Your monthly payment depends on several factors, including the term of your loan, your rate, and whether or not you have a down payment or a trade-in to put towards your loan.

Example Loan Balance: $20,000
Term Rates as Low As Monthly Payment
60 Months 2.49% APR¹ $355/month
72 Months 2.99% APR¹ $304/month
0.25% Autoland Rate Discount²
60 Months 2.24% APR¹ $353/month
72 Months 2.74% APR¹ $302/month
Example Loan Balance: $20,000
Term 60 Months 72 Months
Rates as Low As 2.49% APR¹ 2.99% APR¹
Monthly Payment $355/month $304/month
0.25% Autoland Rate Discount²
Term 60 Months 72 Months
Rates as Low As 2.24% APR¹ 2.74% APR¹
Monthly Payment $353/month $302/month

A longer term loan can result in a lower monthly payment, but you can always pay off your loan sooner if you're able to, as our auto loans come without any early payoff penalties.

 

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Use the buttons on our Auto Payment Calculator to customize a loan that fits your needs. Then contact us to get pre-approved.



Apply Now
Or call us at (888) 354-6228 to get started.

¹APR is Annual Percentage Rate. Representative examples: rates as low as 2.49% APR based on creditworthiness. Not all borrowers will qualify for our lowest rate. Approximate payment per $1,000 on a new and used auto loan with a 60-month term at 2.49% APR is $17.75. Rate shown is for premium credit and includes a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher. Rate good for up to 100% financing on new and used cars. Vehicles with more than 5,000 miles will be classified as used cars. Longer terms are available. Maximum term not available on all loan amounts. Call for rates. Minimum loan amount is $5,000. Restrictions include, vehicle must be purchased, registered/titled in CA, and for personal use only. Also, this offer is not valid for exotic, classic, gray market, salvage, or Lemon Law buy-back vehicles. Additional costs which may apply: $25.00 for private party loans and $50.00 for refinancing an existing Orange County’s Credit Union auto loan. Normal approval standards apply. Not all applicants will qualify. Rates, terms, and conditions are subject to change without notice.

²The no payment for up to 90 days option is available for qualified borrowers. Does not apply to the refinance of existing CU auto loans or cash-out refinance loans. Finance charges begin to accrue the date the loan is funded and are repaid in the first monthly payment(s) due. As a result, you may pay higher total finance charges on the loan than if repayment began earlier.

³Interest Rate Discount may reduce APR which is Annual Percentage Rate. APR will vary depending on loan and credit qualifications. Offer valid through 12/31/2021.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. PURCHASE DOES NOT IMPROVE AN INDIVIDUAL’S CHANCE OF WINNING. Sweepstakes begins on October 1, 2021 and ends on December 31, 2021. Every participant age 18 and over, who obtains a funded auto loan with Orange County’s Credit Union with a minimum amount of $15,000, or who submits an alternate entry, will have an equal chance of winning. Joining Orange County’s Credit Union will not improve your chances of winning. There will be a total of three (3) winners, each of which will receive $500. Participants will be entered into the drawing once the auto loan has funded. Limit one prize per person. Odds of winning are based upon the number of entries. One entry per person by any method. There are two (2) ways to enter the Sweepstakes. First, you may enter the Sweepstakes by obtaining a funded auto loan with a minimum amount of $15,000 during the period October 1, 2021 through December 31, 2021. Alternatively, you may legibly print your name, address (including zip code), and home or mobile telephone number (including area code) on a 3” x 5” piece of paper or card and mail it in a #10 business envelope to Orange County’s Credit Union, Attention: Marketing Department, 1701 E. St. Andrew Pl., Santa Ana, CA 92705. All qualifying auto loans must be funded, and all alternate mail-in entries must be received by December 31, 2021 at 11:59 pm. To qualify for the Sweepstakes, all entrants must be at least 18 years of age and a U.S. resident. Entries remain in the drawing through the end of the Sweepstakes period. For the complete Sweepstakes Official Rules visit www.orangecountyscu.org/landing/Q4-2021-sweepstakes-rules. Void where prohibited by law. Officials and employees of Orange County’s Credit Union or its affiliates are not eligible to participate in the Sweepstakes. Three (3) prize winners will be selected by random drawing from all entries received by the end of the sweepstakes period, December 31, 2021. Prize winners will be removed from the sweepstakes and cannot win twice. The drawings will be held at Orange County’s Credit Union headquarters office in Santa Ana, CA. Winner need not be present to win and will be notified by phone. Personal information you provide by entering the Sweepstakes is being collected. To learn more about how we use and safeguard your personal information, please visit our website at orangecountyscu.org to view our Online Privacy Policy and CA Privacy Notice. Sweepstakes is sponsored by Orange County’s Credit Union, 1701 E. St. Andrew Place, Santa Ana, CA 92705.

⁵Limited to refinancing an existing auto loan from another lender with no cash-out.

⁶Interest Rate Discount may reduce APR which is Annual Percentage Rate. APR will vary depending on loan and credit qualifications. Offer valid through 12/31/2021.

Orange County’s Credit Union is an Equal Opportunity Lender.