Get Pre-Approved & Save

As a Member, you have access to the best financing available. We offer low rates and flexible terms, streamlined processing, and up to 90 days with no payments¹ — plus the excellent service you deserve.

Choose the savings that fit you best, then apply and take your pre-approval anywhere: dealership, private sale, online — or our concierge car-buying service.

Savings Designed For You

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0.25% Rate Discount with Autoland²

Lower your interest rate even more when you shop for your next car with our partners at Autoland. They 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 Payments¹

Take a break from payments for up to three months, and keep more cash in your pocket.

How will you choose to save?

 

Savings Designed For You

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Down arrow with percentage symbol
0.25% Rate Discount with Autoland²

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

90 days no pay
90 days no pay
Up to 90 Days with No Payments¹

Take a break from payments for up to three months, and keep more cash in your pocket.

How will you choose to save?

We can help you:

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Buy a New or Used Car

Shop with confidence anywhere, knowing you’ve already secured the best financing through your Credit Union.

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Refinance Your Existing Auto Loan³

Lower your interest rate and your monthly payments, or pay off your loan sooner when you refinance your existing auto loan from another lender.

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Buy Out Your Existing Lease

If you’re considering keeping your leased car, we can help you look at your leasing agreement to see if a buyout makes sense for you.

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Buy a New or Used Car

Shop with confidence anywhere, knowing you’ve already secured the best financing through your Credit Union.


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Refinance Your Existing Auto Loan³

Lower your interest rate and your monthly payments, or pay off your loan sooner when you refinance your existing auto loan from another lender.


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Buy Out Your Existing Lease

If you’re considering keeping your leased car, 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.

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.


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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% APR⁴ $355/month
72 Months 2.99% APR⁴ $304/month
0.25% Autoland Rate Discount²
60 Months 2.24% APR⁴ $353/month
72 Months 2.74% APR⁴ $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 accept your pre-approval and get started.



Rates are subject to change.

Call us at (714) 885-7669 or visit a branch to get started.

¹The 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.

²Interest Rate Discount may reduce APR which is Annual Percentage Rate. APR will vary depending on loan and credit qualifications. Offer valid through 3/31/2022.

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

⁴APR 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.

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