Get behind the wheel for less.
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.
Refinance
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
Type | Available terms | Annual percentage rate (fixed)1 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 07-05-2025 Learn more about auto 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. Maximum loan-to-value (LTV) may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value for New and Used Autos. MSRP will be used for New Autos when vehicle has not been previously titled. 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
| |||
Type Cars, trucks, vans - new (2022 and newer) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.24% - 9.69% | Estimated minimum monthly payment $294.12 based on a 60 month, $15,000 loan at 6.59% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 72 months | Annual percentage rate (fixed)1 6.49% - 10.14% | Estimated minimum monthly payment $255.98 based on a 72 month, $15,000 loan at 6.84% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 84 months1 | Annual percentage rate (fixed)1 6.74% - 10.39% | Estimated minimum monthly payment $228.52 based on an 84 month, $15,000 loan at 7.29% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 96 months2 | Annual percentage rate (fixed)1 7.49% - 11.99% | Estimated minimum monthly payment $359.67 based on a 96 month, $25,000 loan at 8.49% APR* |
Type Cars, trucks, vans - used (2015-2021) | Available terms 36-60 months | Annual percentage rate (fixed)1 6.39% - 10.09% | Estimated minimum monthly payment $296.24 based on a 60 month, $15,000 loan at 6.89% APR* |
Type Cars, trucks, vans - used (2015-2021) | Available terms 72 months3 | Annual percentage rate (fixed)1 6.64% - 10.44% | Estimated minimum monthly payment $256.74 based on a 72 month, $15,000 loan at 7.14% APR* |
Type Cars, trucks, vans - used (2019-2021) | Available terms 84 months4 | Annual percentage rate (fixed)1 7.09% - 11.74% | Estimated minimum monthly payment $232.23 based on an 84 month, $15,000 loan at 7.79% APR* |
Type Auto 2014 and older, other titled vehicles3 | Available terms Up to 60 months | Annual percentage rate (fixed)1 11.24% - 13.24% | Estimated minimum monthly payment $109.31 based on a 60 month, $5,000 loan at 11.24% APR* |
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
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 nonprofit.
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.
Yes! We welcome the opportunity to pre-approve your auto loan application before you start shopping. To get pre-approved:
- 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." - Stop by any OnPoint branch
- 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 onpointcu.com/myinsurance to submit your proof of insurance coverage, or call 800.523.6404.
Protect your ride with OnPoint.
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.
Supplemental insurance
Cover unexpected auto repair expenses and reduce the possibility of out-of-pocket repair costs with Mechanical Breakdown Protection (MBP).
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
All OnPoint loans are subject to credit terms and approval.
*APR = Annual Percentage Rate
1 Subject to credit terms and approval.
