Time Left to Be Part of This Month's Giveaway

Save Now, Enjoy Later

Start the new year with savings, so you can make all of your other plans for 2021 become a reality. With rates as low as 2.74% APR1 for 60 months, plus no payments for up to 90 days,2 we’ve got plenty of ways for you to save now.

We can customize a loan to fit your needs, whether you’re refinancing your loan from another lender3 for a lower monthly payment, or looking to purchase a new or used car.

  • 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 for These Options

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 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 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
Autoland Logo
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 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.

Plus, when you fund your loan, you’ll be entered to win a monthly grand prize!4

Apply Now
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 2.74% APR¹ $357/month
72 Months 3.24% APR¹ $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 2.74% APR¹ 3.24% APR¹
Monthly Payment $357/month $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.

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

1APR is Annual Percentage Rate. Representative examples: rates as low as 2.74% 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 2.74% APR is $17.85. 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.

4NO 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 January 1, 2021 and ends on March 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 one (1) prize. One winner for January will win a $500 gift card for Fast5Xpress Car Wash. One winner for February will win a $500 gas gift card chosen from a list of available gift cards. One winner for March will win an automotive themed gift basket valued at $500. Members 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 by March 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: Member Engagement & Communications 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 March 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/q1-2021-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. The monthly prize drawing for January will be held the week of February 1, 2021, the monthly prize for February will be held the week of March 1, 2021, and the monthly prize drawing for March will be held the week of April 5, 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. Fast5Xpress is neither affiliated with Orange County's Credit Union nor are they considered sponsors or co-sponsors of this program. 

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