Get Pre-Approved to Save

Wherever the road takes you this spring, we can help you find the savings you need. With rates as low as 2.49% APR1 for 60 months, plus no payments for up to 90 days,2 we’ve got plenty of ways for you to save.

Whether you’re refinancing your loan from another lender for a lower monthly payment,3 or looking to purchase a new or used car, we can help.

  • Up to 90 days with no payments2
  • E-sign your documents from the comfort of your own home
  • Contactless, concierge car-buying services

Get Pre-Approved and Save However You Like

OCCU-Q3-Auto-Icon-Landing-PreApp-Refinance-Hand Cupping Coin.png
Refinance Your Existing Auto Loan

Put your car to work for you and lower your monthly payments when you refinance your existing auto loan from another lender.3

OCCU-Q3-Auto-Icon-Landing-PreApp-Buy-Key.png
Buy a New or Used Car

Shop at any dealership with confidence, knowing you’re already pre-approved for a low rate and great service.

OCCU-Q3-Auto-Icon-Landing-PreApp-Buyout-Car-Dollar Sign.png
Buy Out Your Existing Lease

If you love your current lease, you can buy it out instead. We’ll help you look at your lease agreement to see if a buyout makes sense for you.

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

Put your car to work for you and lower your monthly payments when you refinance your existing auto loan from another lender.3

Car Key Icon
Car Key Icon
Buy a New or Used Car

Shop at any dealership with confidence, knowing you’re already pre-approved for a low rate and great service.

Dollar Sign and Car Icon
Dollar Sign and Car Icon
Buy Out Your Existing Lease

If you love your current lease, you can buy it out instead. We’ll help you look at your lease 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 car-buying service. 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.

AutoLand_logo.png
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 car-buying service. 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.

Autoland Logo
Autoland Logo
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


A longer-term loan can mean 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.

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 60 Months 72 Months
Rates as low as 2.49% APR¹ 2.99% APR¹
Monthly Payment $355/month $304/month


A longer-term loan can mean 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.

Discover What Your Payment Could Be

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

Apply Now
Or call us at (888) 354-6228

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 $17.74. 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.

3Limited to refinancing an existing auto loan from another lender with no cash-out.

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