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
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | 96 months | |
|---|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% | 96 months 6.99% - 6.99% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* | 96 months $340.72 based on a 96 month, $25,000 loan at 6.99% APR* |
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | |
|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* |
2016-2019 Older Used Auto Loans and Other Titled Vehicles3
36-60 month | 72 months | |
|---|---|---|
Annual percentage rate (fixed)* | 36-60 month 4.74% - 4.74% | 72 months 4.99% - 4.99% |
Estimated minimum monthly payment | 36-60 month $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* |
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
96 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
6.99% - 6.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
$340.72 based on a 96 month, $25,000 loan at 6.99% APR*
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
2016-2019 Older Used Auto Loans and Other Titled Vehicles<sup>3</sup>
36-60 month
72 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Rates Effective: 05-29-2026
Promotional rates effective 05/22/2026 – 07/06/2026.
*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.
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.
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
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!
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
*APR = Annual Percentage Rate
1 Subject to credit terms and approval.
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.
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.
