Auto loan beat rate
Let OnPoint get you a better rate.
Do you have a good auto loan rate? Why not make it a great one? Bring us your loan rate and discover if we can offer you a lower APR.1 Thanks to our simple and streamlined process, it’s now fast and easy to enjoy every mile just a little bit more.
Quick and easy application process.
Getting a better rate is easy. You can apply online now using our secure application, or bring your information to your nearest OnPoint branch.
It’s simple to receive your decision in minutes—whether you apply in person or online. Once you submit your application we’ll verify your new rate, provide next steps, and help with the paperwork.
Apply today
Here's what 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
Current rates.
Below are our top rates on auto loans for cars, trucks and vans. Is your rate better? Apply and see if we can still beat it!1 When you choose OnPoint to refinance your current auto loan, we want to ensure that you’re getting the best rate possible.
As low as 6.49%
Fixed APR1 36-60 months
Cars, trucks, vans – new (2021 and newer)
As low as 6.74%
Fixed APR1 for 72 months
Cars, trucks, vans – new (2021 and newer)
As low as 6.99%
Fixed APR1 for 84 months
Cars, trucks, vans – new (2021 and newer)
Available terms | Annual percentage rate (fixed)1 | Estimated minimum monthly payment | |
|---|---|---|---|
| Learn more about auto loans 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 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 2014 and newer, maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest. Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off stated APR (annual percentage rate). Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate
| |||
Cars, trucks, vans - new (2021 and newer) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.49% - 9.94% | Estimated minimum monthly payment $295.89 based on a 60 month, $15,000 loan at 6.84% APR* |
Cars, trucks, vans - new (2021 and newer) | Available terms 72 months | Annual percentage rate (fixed)1 6.74% - 10.39% | Estimated minimum monthly payment $256.38 based on a 72 month, $15,000 loan at 7.09% APR* |
Cars, trucks, vans - new (2021 and newer) | Available terms 84 months1 | Annual percentage rate (fixed)1 6.99% - 10.64% | Estimated minimum monthly payment $230.37 based on an 84 month, $15,000 loan at 7.54% APR* |
Cars, trucks, vans - new (2021 and newer) | Available terms 96 months1 | Annual percentage rate (fixed)1 7.74% - 12.24% | Estimated minimum monthly payment $362.89 based on a 96 month, $25,000 loan at 8.74% APR* |
Cars, trucks, vans - used (2014-2020) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.64% - 10.34% | Estimated minimum monthly payment $298.01 based on a 60 month, $15,000 loan at 7.14 APR* |
Cars, trucks, vans - used (2014-2020) | Available terms 72 months1 | Annual percentage rate (fixed)1 6.89% - 10.69% | Estimated minimum monthly payment $258.55 based on a 72 month, $15,000 loan at 7.39% APR* |
Cars, trucks, vans - used (2018-2020) | Available terms 84 months1 | Annual percentage rate (fixed)1 7.34% - 11.99% | Estimated minimum monthly payment $234.09 based on an 84 month, $15,000 loan at 8.04% APR* |
Auto 2014 and older, other titled vehicles2 | Available terms Up to 60 months | Annual percentage rate (fixed)1 11.49% - 13.49% | Estimated minimum monthly payment $109.94 based on a 60 month, $5,000 loan at 11.49% APR* |
Lower your auto loan rate today!
Apply online for an auto loanSchedule an appointment at your nearest branchDisclosures
All OnPoint loans are subject to credit terms and approval.
- APR=Annual Percentage Rate. Rates effective as of February 1, 2024 and subject to change. Must meet OnPoint Community Credit Union membership and credit requirements. Maximum rate reduction is 0.50% APR (Annual Percentage Rate) lower than current loan rate with a minimum rate of 1.00% APR below current published standard rates. Offer available on new or used auto loan purchase or refinance (2014 model year or newer). Verification of competitor’s rate is required. No cash out. Loan to value cannot exceed OnPoint’s loan to value guidelines for product type. Discount does not apply to existing OnPoint auto loans or promotional rates. All OnPoint loans subject to credit terms and approval. Available rates and terms determined by creditworthiness.
