Low Rates, Savings, and Service

We can help you set the wheels in motion on a new car this summer. With auto loan rates as low as 2.99% APR¹ for 60 months, you can keep your payments low and focus on moving forward.

Plus, enjoy these other benefits:

  • 60 days with no payments²
  • E-sign your loan documents from the comfort of your own home

Auto Loans with Plenty of Options

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

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Buy a New or Used Car

Take your savings on the road to buy a new or used car this summer. Shop confidently by arranging financing ahead of time. You’ll know how much you can afford and that you've secured a great rate.

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-Buyout-Car-Dollar Sign.png
Buy Out Your Existing Lease

If you love your leased car and want to keep it, we can help you buy it. We'll look at your leasing agreement to see if a buyout makes sense for you.

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

Take your savings on the road to buy a new or used car this summer. Shop confidently by arranging financing ahead of time. You'll know how much you can afford and that you’ve secured a great rate.

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

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

If you love your leased car and want to keep it, we can help you buy it. We'll look at your leasing agreement to see if a buyout makes sense for you.

Save Time and Money with Autoland

Shop with our concierge, contactless auto-buying service, Autoland. Enjoy haggle-free, competitive pricing, plus now through 9/30, you'll save an additional 0.25% off your already low rate.⁴ They'll take care of everything for you, from finding your dream car to delivering it right to your door.

AutoLand_logo.png
Autoland Logo
Autoland Logo
Save Time and Money with Autoland

Shop with our concierge, contactless auto-buying service, Autoland. Enjoy haggle-free, competitive pricing, plus now through 9/30, you'll save an additional 0.25% off your already low rate.⁴ They'll take care of everything for you, from finding your dream car to delivering it right to your door.

Or call us at (888) 354-6228 to apply over the phone.

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 + 0.25% Autoland Rate Discount⁴ Monthly Payment
60 Months 2.99% APR¹ $359/month 2.74% APR¹ $357/month
72 Months 3.24% APR¹ $306/month 2.99% APR¹ $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.

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% APR¹ 3.24% APR¹
Monthly Payment $359/month $306/month
with 0.25% Autoland Rate Discount⁴ 2.74% APR¹ 2.99% APR¹
with 0.25% Autoland Rate Discount⁴ $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.

So what drives you? Whether it's savings, options, or service – we've got you covered.

¹APR is Annual Percentage Rate. Representative examples: rates as low as 2.99% 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 2.99% APR is $17.96 or for a 72-month term at 3.24% APR is $15.30. With an additional 0.25% Autoland interest rate discount: the approximate payment per $1,000 on a new and used loan with a 60-month term at 2.74% APR is $17.85 or for a 72-month term at 2.99% APR is $15.19. 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.

²Interest will continue to accrue based on your approved rate if you choose not to make a payment for 60 days on a new or used auto loan. 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.

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

⁴Interest Rate Discount may reduce APR which is Annual Percentage Rate. APR will vary depending on loan and credit qualifications. Offer valid through 9/30/2020.

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

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family Member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Parents & Grandparents
Kids & Grandkids
Siblings