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Auto loan beat rate

Show us your auto loan and we'll show you a better one.

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
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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 5.24%

Fixed APR1 for 36-60 months (2019 and newer)

For model years 2012-2018
as low as 5.39% APR

As low as 5.49%

Fixed APR1 for 72 months (2019 and newer)

For model years 2012-2018
as low as 5.64% APR

As low as 5.74%

Fixed APR1 for 84 months (2019 and newer)

For model years 2016-2018
as low as
6.09% APR

Auto Loans
Auto Loans

Available terms

Annual percentage rate (fixed)1

Estimated minimum monthly payment

Rates Effective: 12-08-2022

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 2012 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

  1. Bundle rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
  2. 72-month term for model years 2012-2015 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.
  3. For auto model years 2011 and older and other titled vehicles, maximum LTV is 80% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation.

Cars, trucks, vans - new (2019 and newer)

Available terms

36-60 months

Annual percentage rate (fixed)1

5.24% - 8.69%

Estimated minimum monthly payment

$ 287.14 based on a 60 month, $15,000 loan at 5.59% APR*

Cars, trucks, vans - new (2019 and newer)

Available terms

72 months

Annual percentage rate (fixed)1

5.49% - 9.14%

Estimated minimum monthly payment

$ 247.46 based on a 72 month, $15,000 loan at 5.84% APR*

Cars, trucks, vans - new (2019 and newer)

Available terms

84 months2

Annual percentage rate (fixed)1

5.74% - 9.39%

Estimated minimum monthly payment

$ 221.22 based on an 84 month, $15,000 loan at 6.29% APR*

Cars, trucks, vans - new (2019 and newer)

Available terms

96 months2

Annual percentage rate (fixed)1

6.24% - 10.74%

Estimated minimum monthly payment

$ 343.84 based on a 96 month, $25,000 loan at 7.24% APR*

Cars, trucks, vans - used (2012-2018)

Available terms

36-60 months

Annual percentage rate (fixed)1

5.39% - 9.09%

Estimated minimum monthly payment

$ 289.23 based on a 60 month, $15,000 loan at 5.89 APR*

Cars, trucks, vans - used (2012-2018)

Available terms

72 months2

Annual percentage rate (fixed)1

5.64% - 9.44%

Estimated minimum monthly payment

$ 249.59 based on a 72 month, $15,000 loan at 6.14% APR*

Cars, trucks, vans - used (2016-2018)

Available terms

84 months2

Annual percentage rate (fixed)1

6.09% - 10.74%

Estimated minimum monthly payment

$ 224.85 based on an 84 month, $15,000 loan at 6.79% APR*

Auto 2011 and older, other titled vehicles3

Available terms

Up to 60 months

Annual percentage rate (fixed)1

10.24% - 12.24%

Estimated minimum monthly payment

$ 104.98 based on a 60 month, $5,000 loan at 10.24% APR*

Disclosures

All OnPoint loans are subject to credit terms and approval.

  1. APR=Annual Percentage Rate. Rates effective as of August 1, 2022 and subject to change. Must meet OnPoint Community Credit Union membership and credit requirements.Maximum rate reduction is 0.25% lower than current loan rate with a minimum rate of 1.50% APR (Annual Percentage Rate). For new or used auto loan purchase or refinance (2012 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.

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