Auto loans
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | 96 months | |
|---|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.99% - 9.44% | 72 months 5.24% - 9.89% | 84 months 5.49% - 10.14% | 96 months 7.24% - 12.74% |
Estimated minimum monthly payment | 36 - 60 months $292.37 based on a 60 month, $15,000 loan at 6.34% APR* | 72 months $252.79 based on a 72 month, $15,000 loan at 6.59% APR* | 84 months $226.68 based on a 84 month, $15,000 loan at 7.04% APR* | 96 months $369.38 based on a 96 month, $25,000 loan at 9.24% APR* |
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | |
|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 5.14% - 9.84% | 72 months 5.39% - 10.19% | 84 months 5.84% - 11.49% |
Estimated minimum monthly payment | 36 - 60 months $294.48 based on a 60 month, $15,000 loan at 6.64% APR* | 72 months $254.94 based on a 72 month, $15,000 loan at 6.89% APR* | 84 months $230.37 based on a 84 month, $15,000 loan at 7.54% APR* |
2016-2019 Used Auto Loans (Cars, trucks & vans)3
36-60 month | 72 months | |
|---|---|---|
Annual percentage rate (fixed)* | 36-60 month 5.14% - 9.84% | 72 months 5.39% - 10.19% |
Estimated minimum monthly payment | 36-60 month $294.48 based on a 60 month, $15,000 loan at 6.64% APR* | 72 months $254.94 based on a 72 month, $15,000 loan at 6.89% APR* |
Older/Other Titled Vehicles
Up to 60 months | |
|---|---|
Annual percentage rate (fixed)* | Up to 60 months 10.99% - 12.99% |
Estimated minimum monthly payment | Up to 60 months 258.41 based on a 48 month, $10,000 loan at 10.99% APR |
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
96 months
Annual percentage rate (fixed)*
4.99% - 9.44%
5.24% - 9.89%
5.49% - 10.14%
7.24% - 12.74%
Estimated minimum monthly payment
$292.37 based on a 60 month, $15,000 loan at 6.34% APR*
$252.79 based on a 72 month, $15,000 loan at 6.59% APR*
$226.68 based on a 84 month, $15,000 loan at 7.04% APR*
$369.38 based on a 96 month, $25,000 loan at 9.24% APR*
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
Annual percentage rate (fixed)*
5.14% - 9.84%
5.39% - 10.19%
5.84% - 11.49%
Estimated minimum monthly payment
$294.48 based on a 60 month, $15,000 loan at 6.64% APR*
$254.94 based on a 72 month, $15,000 loan at 6.89% APR*
$230.37 based on a 84 month, $15,000 loan at 7.54% APR*
2016-2019 Used Auto Loans (Cars, trucks & vans)<sup>3</sup>
36-60 month
72 months
Annual percentage rate (fixed)*
5.14% - 9.84%
5.39% - 10.19%
Estimated minimum monthly payment
$294.48 based on a 60 month, $15,000 loan at 6.64% APR*
$254.94 based on a 72 month, $15,000 loan at 6.89% APR*
Older/Other Titled Vehicles
Up to 60 months
Annual percentage rate (fixed)*
10.99% - 12.99%
Estimated minimum monthly payment
258.41 based on a 48 month, $10,000 loan at 10.99% APR
Rates Effective: 09-08-2026
*APR=Annual percentage rate
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.
Type | Available terms1 | Annual percentage rate (Fixed)2 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 09-08-2026 Learn more about motorcycle, boat & RV loansAll 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 new and used motorcycle, boat and RVs, maximum LTV is 100% unless otherwise noted. 1 Maximum loan term determined by loan amount and collateral. Maximum term for motorcycles (any amount) is 60 months. For boat and RV: $10,000 or less loan amount has a maximum loan term of 60 months, $10,000 – $50,000 loan amount has a maximum loan term of 120 months, and loan amounts over $50,000 have a maximum loan term of 180 months. 2 OnPoint Rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 3 Includes autos 2015 and older; motorcycles, boats, RVs 2016 and older; and small recreation vehicles including (but not limited to) ATVs, jet skis, and cargo trailers. Maximum LTV is 100% unless otherwise noted. LTV calculated using Kelley Blue Book retail value or J.D. Power high value. Subject to credit approval and collateral evaluation
| |||
Type Motorcycles, boats and RVs | Available terms1 60 months | Annual percentage rate (Fixed)2 8.99%- 12.49% | Estimated minimum monthly payment $217.37 based on a 60 month, $10,000 loan at 10.99% APR |
Type Boats and RVs | Available terms1 120 months | Annual percentage rate (Fixed)2 9.99% - 13.49% | Estimated minimum monthly payment $ 215.12 based on a 120 month, $15,000 loan at 11.99% APR |
Type Boats and RVs | Available terms1 180 months | Annual percentage rate (Fixed)2 10.99% - 14.49% | Estimated minimum monthly payment $758.75 based on a 180 month, $60,000 loan at 12.99% APR |
Type Motorcycles, boats and RVs | Available terms1 60 months | Annual percentage rate (Fixed)2 9.49% - 12.99% | Estimated minimum monthly payment $219.88 based on a 60 month, $10,000 loan at 11.49% APR |
Type Boats and RVs | Available terms1 120 months | Annual percentage rate (Fixed)2 10.49% - 13.99% | Estimated minimum monthly payment $219.48 based on a 120 month, $15,000 loan at 12.49% APR |
Type Boats and RVs | Available terms1 180 months | Annual percentage rate (Fixed)2 11.49% - 14.99% | Estimated minimum monthly payment $778.59 based on a 180 month, $60,000 loan at 13.49% APR |
Type Motorcycles, boats and RVs | Available terms1 Up to 60 months | Annual percentage rate (Fixed)2 10.99% - 12.99% | Estimated minimum monthly payment $109.94 based on a 60 month, $5,000 loan at 11.49% APR |
How to get pre-approved
It’s easy to get pre-approved with OnPoint, either online or at your local branch.
New or used auto purchase
Apply online or at your local OnPoint branch. Be ready to provide:
- Personal details (name, address, DOB)
- Employment & income info
- Purchase price & down payment
- Trade-in vehicle details (if applicable)
- Year, make, and model (if selected)
Auto refinance
Found a great rate? Let us try to beat it for lower payments or a better interest rate.
Please be ready to provide:
- Personal details (name, address, DOB)
- Employment & income info
- Vehicle details (year, make, model, mileage)
- 10-day payoff quote from your lender
- Current interest rate
Why get pre-approved?
Pre-approval gives you a clear budget, stronger negotiating power, and a smoother buying process.
- Pre-qualification: A soft credit check that provides an estimate of what you can borrow.
- Pre-approval: A hard credit check that gives a firm loan offer with defined terms.
With pre-approval, you’ll know what you can afford and can shop with confidence, whether at a dealership or with a private seller.
Get pre-approved today!
Why choose OnPoint for your next auto loan?
OnPoint offers flexible, local financing for new or used vehicles and affordable refinancing options. We streamline the process to make it easier to get the financing you need.
We could beat your current rate.
Already have a great auto loan rate? Bring it to us and see if we can beat it—Our fast, quick, and easy savings await!1
We offer a Green Auto Discount.
Save money and go green! Get a 0.25% APR* discount when financing an electric or hybrid vehicle with OnPoint.3
We work with local dealerships.
Find your next car with OnPoint and AutoSMART—search thousands of listings and get on-the-spot financing fast!3
Quick and easy application process.
Apply online with our secure application or visit your nearest OnPoint branch. Here’s what you’ll need:
- Personal details (name, address, phone, SSN)
- Vehicle info (make, model, year)
- Loan amount (new or refinance)
- Current interest rate (for refinancing)
Get a decision in minutes! Once you apply, we’ll verify your rate, guide you through next steps, and handle the paperwork.
Get the flexible financing you need.
Stop by an OnPoint branch.
Find a nearby location or ATMApply online.
Get started todayGive us a call.
Disclosures
*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.
- 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.
- Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR (Annual Percentage Rate). All OnPoint loans are subject to credit terms approval. Discount does not apply to existing OnPoint auto loans.
- Subject to credit terms and approval.
