We're Here to Help

Purchase your next vehicle with a loan from Orange County's Credit Union. Our knowledgeable Associates will guide you through the buying process with ease. Choose the dealership down the street or go online, buy from a private seller, or use Autoland, our concierge service. No matter which avenue of buying you prefer, your loan is in good hands.

Woman in driver seat of new vehicle at auto dealership
Woman in driver seat of new vehicle at auto dealership

Financing for New or Used Autos

Whether you're purchasing a new or used vehicle, we'll guide you through the buying process while saving you time and money.

  • No application fee
  • No payments for up to 90 days¹
  • Up to 100% financing of purchase price including tax, license, and warranty²
  • Competitive interest rates
  • Terms up to 84 months for new vehicles³
  • Terms up to 72 months for used vehicles³
  • $25 fee for private party transactions
  • DMV fees may apply
  • Ask about cash-out requests

Financing for New or Used Autos

Whether you're purchasing a new or used vehicle, we'll guide you through the buying process while saving you time and money.

  • No application fee
  • No payments for up to 90 days¹
  • Up to 100% financing of purchase price including tax, license, and warranty²
  • Competitive interest rates
  • Terms up to 84 months for new vehicles³
  • Terms up to 72 months for used vehicles³
  • $25 fee for private party transactions
  • DMV fees may apply
  • Ask about cash-out requests
Three cars parked side by side
Three cars parked side by side

First-Time Buyer Program

We're excited to help get you into your first car! Financing is available for new and used vehicles, including private-party sales.

  • No application fee
  • Up to 100% financing of purchase price including tax, license, and warranty²
  • Loan amounts up to $25,000
  • Terms up to 72 months
  • Competitive interest rates
  • Automatic payments from checking or savings
  • $25 fee for private party transactions
  • DMV fees may apply

First-Time Buyer Program

We're excited to help get you into your first car! Financing is available for new and used vehicles, including private-party sales.

  • No application fee
  • Up to 100% financing of purchase price including tax, license, and warranty²
  • Loan amounts up to $25,000
  • Terms up to 72 months
  • Competitive interest rates
  • Automatic payments from checking or savings
  • $25 fee for private party transactions
  • DMV fees may apply

Next Step – Get Pre-Approved

Before contacting a dealership, secure your loan offer. You'll shop with confidence, knowing your rate, payment, and buying power in advance.
calculator.png

Use the buttons on our Auto Payment Calculator to customize a loan that fits your needs. Then contact us to get pre-approved.


Auto-Buying Concierge Service

Image of a laptop browsing a car buying website
Image of a laptop browsing a car buying website

Let Autoland Do the Work for You

For greater convenience, enjoy our concierge auto-buying service. Autoland does all the work—just describe the type of vehicle you want, right down to the options. They'll tap into their expansive network to find it, negotiate the price on your behalf, and deliver it right to your front door.

  • New and pre-owned cars, trucks, vans, & SUVs
  • All makes and models, from economy to luxury
  • Option to trade in your current vehicle
  • History report with all pre-owned autos
  • Secure all available manufacturer incentives
  • Contactless delivery to you
Image of a laptop browsing a car buying website
Image of a laptop browsing a car buying website

Let Autoland Do the Work for You

For greater convenience, enjoy our concierge auto-buying service. Autoland does all the work—just describe the type of vehicle you want, right down to the options. They'll tap into their expansive network to find it, negotiate the price on your behalf, and deliver it right to your front door.

  • New and pre-owned cars, trucks, vans, & SUVs
  • All makes and models, from economy to luxury
  • Option to trade in your current vehicle
  • History report with all pre-owned autos
  • Secure all available manufacturer incentives
  • Contactless delivery to you

Discover What Your Payment Could Be


Auto Loan Rates

  New Autos Used Autos First Time Auto Buyer - New / Used
APR¹ Range 2.49% - 12.14% 2.49% - 12.49%*** 4.49% - 4.74%
Max Term (Months)² 84 72 72
Amount Financed³ Up to 100% LTV Up to 100% LTV up to 100% LTV
  APR¹ Range Max Term (Months)² Amount Financed³
New Autos 2.49% - 12.14% 84 Up to 100% LTV
Used Autos 2.49% - 12.49%*** 72 Up to 100% LTV
First Time Auto Buyer - New / Used 4.49% - 4.74% 72 up to 100% LTV
Effective October 20, 2021 09:07 AM Pacific Time (PT)

Maximum term not available on all loan amounts. Lowest APR not available for the max term listed. Contact Orange County's Credit Union for details.

Resources
Calculators

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.

²If amount financed exceeds vehicle value it may cause an increase in interest rates (certain restrictions apply).

³Maximum term not available on all loan amounts. Contact us for additional details.