OnPoint Auto Financing
Upgrading your everyday starts here.
OnPoint offers flexible, local financing with great rates for new and used vehicles, plus affordable refinancing options. Find your next vehicle with AutoSmart, get pre-approved from the comfort of home, and complete your loan right at the dealership—anytime, even on holidays—just ask for OnPoint. With an OnPoint auto loan, you’ll get a great rate and the exceptional service we’re known for.
Apply for pre-approval
Get pre-approved fast with flexible rates so you can shop confidently and drive away with ease.
Search cars online
Browse local vehicles with ease so you can compare options confidently and find the right fit fast.
Find your dream vehicle with AutoSMART.
Get your perfect car without setting foot on a lot. Search thousands of new and used vehicles near you with OnPoint and AutoSMART. If you’ve got a make and model in mind, it’s a stress-free way to get started. Search local dealerships, compare prices, and take advantage of easy financing and competitive rates for a seamless car-buying experience.
Find a dealer that works with us.
You can search an extensive network of local dealers we trust in Oregon and SW Washington. Direct, hassle-free financing at our partnering dealerships gets you in your new car and on the road!
Shop AutoSMART
Apply for a pre-approved auto loan.
We offer great rates for new or used vehicles with a simple, fast approval process and flexible repayment options.
Even if you haven’t chosen a vehicle, applying for pre-approval is a great starting point. Lock in your rate, build negotiating power, and make it easier to buy from private sellers. Just select “No” when the application asks if you know the make/model you want.
Ask for OnPoint at the dealership.
Telling the dealership you’re pre-approved with OnPoint gives you a strong foundation to negotiate the best price on your next ride.
Apply today
Refinance an auto loan
Already have a good rate with another bank or credit union? Find out if we can offer you a lower APR. Whether you apply online or in person, it’s easy to receive a decision in minutes. You’ll need:
- Your personal information, such as your name, address, phone number, and Social Security number
- The make, model, and year of your vehicle
- The amount you would like to refinance
- Your current interest rate
Let’s get you in the driver’s seat for greater savings!
Additional auto loan rate info
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | 96 months | |
|---|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% | 96 months 6.99% - 6.99% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* | 96 months $340.72 based on a 96 month, $25,000 loan at 6.99% APR* |
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | |
|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* |
2016-2019 Older Used Auto Loans and Other Titled Vehicles3
36-60 month | 72 months | |
|---|---|---|
Annual percentage rate (fixed)* | 36-60 month 4.74% - 4.74% | 72 months 4.99% - 4.99% |
Estimated minimum monthly payment | 36-60 month $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* |
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
96 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
6.99% - 6.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
$340.72 based on a 96 month, $25,000 loan at 6.99% APR*
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
2016-2019 Older Used Auto Loans and Other Titled Vehicles<sup>3</sup>
36-60 month
72 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Rates Effective: 05-27-2026
Promotional rates effective 05/22/2026 – 07/06/2026.
*APR=Annual percentage rate
Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules, and practices now or hereafter adopted by the credit union. All loans and lines of credit are subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
For auto model years 2016 and newer, the maximum LTV (Loan-to-Value) may vary depending on credit history and factors specific to your loan. LTV (Loan-to-Value) is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest.
72-month term for model years 2016 – 2019 requires a minimum $12,000 loan amount. The 84-month term requires a minimum $15,000 loan amount. The 96-month term requires a minimum $25,000 loan amount.
Estimate your monthly vehicle loan payment
Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.
Financing to get you moving.
Apply online today.
Get startedGive us a call
503.228.7077Disclosures
Promotional rates effective 05/22/2026 – 07/06/2026.
*APR=Annual percentage rate
Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules, and practices now or hereafter adopted by the credit union. All loans and lines of credit are subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
For auto model years 2016 and newer, the maximum LTV (Loan-to-Value) may vary depending on credit history and factors specific to your loan. LTV (Loan-to-Value) is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest.
72-month term for model years 2016 – 2019 requires a minimum $12,000 loan amount. The 84-month term requires a minimum $15,000 loan amount. The 96-month term requires a minimum $25,000 loan amount.
