A Customized Loan to Fit Your Needs

How do you want to save? The choice is yours — with rates as low as 2.99% APR** for 60 months, plus no payments for up to 60 days,*** we’ve got plenty of savings options for you.

Here’s what you can also get while you save:

  • Up to 60 days with no payments***
  • Ease and convenience when you e-sign your documents from the comfort of your home
  • Contactless, concierge car-buying services

Plus, when you fund your loan, you’ll be entered to win a weekly or grand prize!*

Get Pre-Approved for These Options

When you’re pre-approved for our low-rate auto loan, you can use it however you need to:

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 approved for a low rate.

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

Not in the market to buy? Put your car to work for you and lower your monthly payments when you refinance your existing auto loan from another lender.†

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 leasing agreement to see if a buyout makes sense for you.

When you’re pre-approved for our low-rate auto loan, you can use it however you need to:

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

Shop at any dealership with confidence, knowing you’re already approved for a low rate.

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

Not in the market to buy? Put your car to work for you and lower your monthly payments when you refinance your existing auto loan from another lender.†

 

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 with your pre-approval instead. We’ll help you look at your leasing agreement to see if a buyout makes sense for you.

An Effortless Way to Shop

Enjoy haggle-free, competitive pricing with our concierge, contactless car-buying service, Autoland. They’ll take care of everything for you, from finding your dream car to delivering it right to your door, so you don’t even have to leave the house.

AutoLand_logo.png
Autoland Logo
Autoland Logo
An Effortless Way to Shop

Enjoy haggle-free, competitive pricing with our concierge, contactless car-buying service, Autoland. They’ll take care of everything for you, from finding your dream car to delivering it right to your door, so you don’t even have to leave the house.

Take advantage of our low rates now, and get pre-approved. Rates are subject to change.

Or call us at (888) 354-6228
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.

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.

Example Loan Balance: $20,000
Term Rates as Low As Monthly Payment
60 Months 2.99% APR** $359/month
72 Months 3.24% APR** $306/month

 

Get a more personalized idea of your payment with our online Auto Payment Calculator. Be sure to choose "monthly" and scroll down to "results" to see your monthly payment.

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.

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.

Example Loan Balance: $20,000
Term 60 Months 72 Months
Rates as low as 2.99% APR* 3.24% APR*
Monthly Payment $359/month $306/month
Monthly Payment $357/month $304/month

 

Get a more personalized idea of your payment with our online Auto Payment Calculator. Be sure to choose "monthly" and scroll down to "results" to see your monthly payment.

Find out how much you could save – and what you could win.

Or call us at (888) 354-6228

*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, 2020 and ends on December 31, 2020. 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. 12 participants are eligible to win one Amazon Echo Auto. One participant is eligible to win a $500 gift of their choice as a Target® gift card, Mastercard® gift card, or gas gift card of their choice. 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 by December 31, 2020. 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: Member Engagement & Communications Department, 1701 E. St. Andrew Pl., Santa Ana, CA 92705. All qualifying funded auto loans along with alternate mail-in entries must be received by December 31, 2020 at 11:59 pm. To qualify for the Sweepstakes, all entrants must be at least 18 years of age and a U.S. resident. There will be a total of 12 weekly winners of the Amazon Echo Auto, one winner being chosen each week, and one grand prize winner of $500. Entries remain in the drawing through the end of the Sweepstakes period. For the complete Sweepstakes Official Rules visit www.orangecountyscu.org/landing/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. The weekly prize drawing for an Amazon Echo Auto will be held each week beginning the week October 5, 2020 through the week of December 21, 2020. The grand prize drawing for $500 will be held the week of January 11, 2021. 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. Sweepstakes is sponsored by Orange County’s Credit Union, 1701 E. St. Andrew Place, Santa Ana, CA 92705.

**The primary account holder is pre-approved. Pre-approval is not transferable. Auto loan must be funded through a personal account.

***APR is Annual Percentage Rate. The approximate payment per $1,000 on a new and used auto loan with a 60-month term at 2.99% APR is $17.96. All rates include a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher. Offer good on 120% financing for new or used cars. Longer financing terms are also available. Call for details. Minimum loan amount for pre-approved offer 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. If your creditworthiness has changed, Orange County’s Credit Union reserves the right to withdraw this offer. Pre-approval offer expires 12/31/2020 but rates, terms, and conditions are subject to change.

This pre-approval may be used to refinance an existing auto loan from another lender with no cash-out.

Interest will continue to accrue based on your approved rate from the date funds are disbursed to the date your first payment is due. For example, if you choose not to make a payment for 60 days after funds are disbursed on a new or used auto loan the Credit Union will collect interest from the date funds are disbursed until the first payment is made.

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