Auto Loans

Members save $1,000 on average

And, you'll receive an additional rate discount when you make automatic payments directly from your Orange County's Credit Union savings or checking account, or based on your Platinum or Premier Relationship Rewards status.

We'll take you through the whole car-buying process, and guide you to the best deal available, all while saving you time and money.

  • Up to 100% financing*
  • Terms up to 84 months
  • Low interest rates
  • 0.25% discount for automatic payments
  • Pre-approval for easier, hassle-free shopping
  • No application or funding fee

Orange County's Credit Union has helped hundreds of Members purchase their leased vehicles or a "new" used car. What if you just want to get a better loan rate? No problem. We can also help you re-finance your auto loan from another lender, directly with us, and most of the time, lower your payment.

  • Up to 100% financing**
  • Terms up to 72 months
  • Low interest rates
  • 0.25% discount for automatic payments
  • Refinance existing auto loans from other lenders
  • Pre-approval for easier, hassle-free shopping
  • No application fee or funding fee

We're the best choice to help get you into your first car.

  • Finance up to 90% of new* and used** vehicle value; max loan amount equal to 75% of annual income not to exceed $20,000
  • Finance up to 100% of new* and used** vehicle value; max loan amount equal to 50% of annual income not to exceed $20,000
  • Terms up to 60 months
  • Low interest rates
  • No application fee or funding fee

Autoland does all the work – just tell them what kind of car you want, new or pre-owned, and down to the options. They'll tap into their expansive auto network to find it, negotiate the price on your behalf, and deliver it to you.

  • Free, no-obligation service
  • Trade in your current vehicle
  • Receive a CARFAX vehicle history report with all pre-owned vehicles
  • Secure all available manufacturer incentives
  • Deliver your new or pre-owned car to your home, office or nearest branch

0.50% APR RATE DISCOUNT

Purchase your car through Autoland, our auto-buying service, and we can lower your rate. Receive an additional 0.50% APR1 discount on rates as low as 2.49% APR. Hurry – offer expires June 30, 2017. Skip the haggling, the trip to the dealer, and take advantage of their low, pre-negotiated pricing. Go to www.autoland.com/occu or call Autoland at (800) 234-6999.




(800) 234-6999



A Better Car-Buying Experience

"A Better Car-Buying Experience"

Watch the Video

1APR is Annual Percentage Rate. Representative examples: rates as low as 2.49% APR based on creditworthiness. Not all borrowers will qualify for our best rate. Approximate payment per $1,000 on a new and used auto 60-month term loan at 2.49% APR is $17.74; or for a 72-month term loan at 2.49% APR is $14.97. Rate shown is for premium credit and includes a 0.25% discount for automatic payments. Loans without automatic payments will be 0.25% higher. Rate good for up to 100% financing on new and used cars. Longer terms of up to 84 months on new autos are also available. Call for rates. Minimum loan amount is $5,000. Restrictions include: vehicle must be purchased, registered/titled in CA and for personal use only; and 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; for used auto loans with mileage in excess of 100,000, there will be a 0.50% rate increase; and $50.00 for refinancing an existing Orange County’s Credit Union auto loan. Normal approval standards apply.