auto loans-man and woman sitting on the back bumper of their SUV near a river in PNW

Get behind the wheel for less.

Fast, local financing makes the difference.

Flexible, affordable financing.

OnPoint offers flexible, local financing for new or used vehicles and affordable refinancing options. We make it easier to get the financing you need by streamlining the process as much as possible.

Buy new

If you want the latest and greatest, we’ve got the low-rate financing to make it happen.

Buy used

Don’t need all the bells and whistles? Get the financing you need with flexible options to fit your budget.


See how exploring your options could lower your interest rate or monthly payment.

Find your ride

Search for your next vehicle online with AutoSMART and get on-the-spot financing1 at the dealership.

Additional auto loan rate info

Auto Loans
Auto Loans

Available terms

Annual percentage rate (fixed)1

Estimated minimum monthly payment

Rates Effective: 03-28-2023

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 2013 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 2013-2016 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 2012 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 (2020 and newer)

Available terms

36-60 months

Annual percentage rate (fixed)1

6.74% - 10.19%

Estimated minimum monthly payment

$ 297.66 based on a 60 month, $15,000 loan at 7.09% APR*

Cars, trucks, vans - new (2020 and newer)

Available terms

72 months

Annual percentage rate (fixed)1

6.99% - 10.64%

Estimated minimum monthly payment

$ 258.19 based on a 72 month, $15,000 loan at 7.34% APR*

Cars, trucks, vans - new (2020 and newer)

Available terms

84 months2

Annual percentage rate (fixed)1

7.24% - 10.89%

Estimated minimum monthly payment

nbsp; 232.23 based on an 84 month, $15,000 loan at 7.79% APR*

Cars, trucks, vans - new (2020 and newer)

Available terms

96 months2

Annual percentage rate (fixed)1

7.99% - 12.49%

Estimated minimum monthly payment

$ 366.13 based on a 96 month, $25,000 loan at 8.99% APR*

Cars, trucks, vans - used (2013-2019)

Available terms

36-60 months

Annual percentage rate (fixed)1

6.89% - 10.59%

Estimated minimum monthly payment

$ 299.79 based on a 60 month, $15,000 loan at 7.39 APR*

Cars, trucks, vans - used (2013-2019)

Available terms

72 months2

Annual percentage rate (fixed)1

7.14% - 10.94%

Estimated minimum monthly payment

$ 260.37 based on a 72 month, $15,000 loan at 7.64% APR*

Cars, trucks, vans - used (2017-2019)

Available terms

84 months2

Annual percentage rate (fixed)1

7.59% - 12.24%

Estimated minimum monthly payment

$ 235.97 based on an 84 month, $15,000 loan at 8.29% APR*

Auto 2012 and older, other titled vehicles3

Available terms

Up to 60 months

Annual percentage rate (fixed)1

11.74% - 13.74%

Estimated minimum monthly payment

$ 110.57 based on a 60 month, $5,000 loan at 11.74% APR*

close_quote_large close_quote_large

Definitely a great place to get a loan! The people were all really friendly during a small payment issue I had, but they went above and beyond in regards to the issue. I will definitely use again for my next auto loan.

- Anson W.

Find your next ride at a local dealership.

Getting the financing you need is easier than you think. You can get on-the-spot OnPoint financing1 within minutes at any of our dealer partners. Day or night and on weekends too.

Find vehicles for sale using AutoSMART.

Get your perfect car without setting foot on a lot. You can 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.


Start Searching Online
woman sitting at local dealership signing new auto loan papers
Accelerate your decision.

Make your next auto a hybrid or electric vehicle.

As electric vehicle (EV) adoption increases, car manufacturers electrify a larger percentage of their fleets with hybrid and fully electric models. Greater availability of hybrid and EV models means more options are available across price points and vehicle types.

Long term savings on electric vehicles.

When it comes to electric cars, less is more. With fewer moving parts, EVs are simpler than cars with internal combustion engines. That means less breakdowns, repairs and expensive replacement parts. Plus, regenerative braking systems mean you won’t need to replace your brakes as often as you would on a conventional vehicle.

Drive Green. Save Green.

When you finance an electric or hybrid vehicle, you’ll get a 0.25% APR* discount & we’ll donate to a local non-profit.

Learn more and apply today

Auto loan FAQs

Apply online today or stop by any OnPoint branch. We've made the Auto Loan application and refinance process simple!

See our low, competitive rates here and check out our Vehicle Loan Financial Calculators to learn how you can benefit from refinancing your auto loan.
10 business days after the final payment has been received, your title will be sent to the address we have on file for you. If you need your title sooner, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9 a.m. to 3 p.m.) to review options.
Yes! We welcome the opportunity to pre-approve your auto loan application before you start shopping. To get pre-approved:
  1. Get preapproved for your auto loan in minutes online!
    Note: when presented with the question "Do you know the make and model of the vehicle you want?" be sure to select "No."
  2. Stop by any OnPoint branch
  3. Apply at any Credit Union Direct Lending dealers to apply on the spot!
CUDL or Credit Union Direct Lending allows you to choose your car and complete the financing at the dealership anytime, including weekends, holidays and evenings. Participating dealers are located throughout Oregon, Washington, and Idaho. Receive on-the-spot OnPoint financing within minutes at any of our dealer partners.

In addition, you can search thousands of new and used vehicles near you with OnPoint and AutoSMART.
Full coverage insurance with a deductible no greater than $1,000 is required on any vehicle that is financed with OnPoint. If you have financed a vehicle through OnPoint, please contact your insurance provider and request that OnPoint Community Credit Union be listed as the Loss Payee:

OnPoint Community Credit Union
P.O. BOX 3755
Portland, OR 97208

Please visit at to submit your proof of insurance coverage, or call 800.523.6404.
If you need to change a due date on your loan, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9 a.m. to 3 p.m.), send a secure message within Online Banking, or visit your nearest branch for assistance.

Protect your ride with OnPoint.

Auto insurance

Members save an average of $5932 a year with OnPoint Insurance Services. Have the peace of mind that you and your family will have the right coverage while getting an excellent rate on your auto insurance. Now’s the time to evaluate what a new auto insurance policy could do for you.

Get a free quote

GAP insurance

Protect your finances and enjoy added peace of mind in the event of total vehicle loss with Guaranteed Asset Protection Advantage (GAP) on your auto loan.

Protect my loan

Supplemental insurance

Cover unexpected auto repair expenses and reduce the possibility of out-of-pocket repair costs with Mechanical Breakdown Protection (MBP).

Get covered

Get the flexible financing you need.

Stop by an OnPoint branch.

Find a nearby location or ATM

Apply online.

Get started today

Give us a call.


All OnPoint loans are subject to credit terms and approval.
*APR = Annual Percentage Rate
1 Subject to credit terms and approval.
2 Figure of $483 is a national average savings number from March 2022 through February 2023 of auto, homeowner and packaged policyholders’ savings when compared to the policyholders’ former premiums. Individual premiums and savings will vary. If you are purchasing insurance for yourself or as part of a credit union loan, you need to be aware of some important information. Insurance products are not deposits of OnPoint Community Credit Union and are not insured by the NCUA. They are not guaranteed by OnPoint Community Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by OnPoint Community Credit Union need not be purchased from OnPoint Insurance Services and may be purchased from an agent or an insurance company of the member’s choice.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

Cancel Accept