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Auto Loans

Fast, local financing makes the difference.

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.

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Buy New

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

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Buy Used

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

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Refinance

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

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Find Your Ride

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

Rates

Auto Loans
Auto Loans

Available Terms

Annual Percentage Rate (Fixed)1

Estimated Minimum Monthly Payment

Rates Effective: 04-23-2021

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 2011 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. Discount does not apply to existing OnPoint auto loans or promotional rates.

1 Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here.

2 New and Used Auto 84-month term requires $15,000 minimum loan amount.

3 Maximum LTV for Cargo Vehicles is 90%.

4 For auto model years 2010 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 (2018 and newer)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

2.74% - 6.19%

Estimated Minimum Monthly Payment

$270.13 based on a 60 month, $15,000 loan at 3.09% APR

Cars, Trucks, Vans - New (2018 and newer)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

2.99% - 6.64%

Estimated Minimum Monthly Payment

$230.19 based on a 72 month, $15,000 loan at 3.34% APR

Cars, Trucks, Vans - New (2018 and newer)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

3.24% - 6.89%

Estimated Minimum Monthly Payment

$203.59 based on an 84 month, $15,000 loan at 3.79% APR

Cars, Trucks, Vans - Used (2011-2017)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

2.89% - 6.59%

Estimated Minimum Monthly Payment

$272.14 based on a 60 month, $15,000 loan at 3.39% APR

Cars, Trucks, Vans - Used (2015-2017)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

3.14% - 6.94%

Estimated Minimum Monthly Payment

$232.23 based on a 72 month, $15,000 loan at 3.64% APR

Cars, Trucks, Vans - Used (2015-2017)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

3.59% - 4.29%

Estimated Minimum Monthly Payment

$207.04 based on an 84 month, $15,000 loan at 4.29% APR

Cargo Vehicle - New3
(2018 and newer)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.74% - 7.19%

Estimated Minimum Monthly Payment

$276.86 based on a 60 month, $15,000 loan at 4.09% APR

Cargo Vehicle - New3
(2018 and newer)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

3.99% - 7.64%

Estimated Minimum Monthly Payment

$237.01 based on a 72 month, $15,000 loan at 4.34% APR

Cargo Vehicle - Used3
(2011-2017)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.89% - 7.59%

Estimated Minimum Monthly Payment

$278.90 based on a 60 month, $15,000 loan at 4.39% APR

Cargo Vehicle - Used3
(2015-2017)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

4.14% - 7.94%

Estimated Minimum Monthly Payment

$239.08 based on a 72 month, $15,000 loan at 4.64% APR

Auto 2010 and older, other titled vehicles4

Available Terms

Up to 60 months

Annual Percentage Rate (Fixed)1

8.50% -9.50%

Estimated Minimum Monthly Payment

$123.30 based on a 48 month, $5,000 loan at 8.50% APR


Find your next ride.

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.

Plus, 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.

Start Searching
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OnPoint Green Auto Discount

Save money while doing your part to protect the environment. Get a discount of 0.25% APR when you finance your electric or hybrid vehicle with OnPoint. Plus, we’ll make a donation to The Nature Conservancy for up to $250 for every green auto loan.

apply online today learn more
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Need to know how much you can afford?

Use our helpful calculators to accelerate your purchase decision.

Protect your ride.

Members save an average of $6352 a year with OnPoint Insurances 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
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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.
Once your auto loan is paid off, the title will be mailed to you within 10 business days after the final payment has been received. If you need your title sooner, please contact Member Services (M-F 7:00 am - 7:00 pm; Sat. 9:00 am - 1:00 pm) at 503.228.7077 or 800.527.3932 to review options to expedite the process.
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 onpointcu.com/myinsurance 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 Member Services at 503.228.7077 or 800.527.3932. (M-F 7 a.m. - 7 p.m., Sat. 9:00 a.m. - 1:00 p.m.), send a secure message within Online Banking, or visit your nearest branch for assistance.

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.

Disclosures

All OnPoint loans are subject to credit terms approval.
*APR = Annual Percentage Rate
1 Subject to credit terms and approval.
2 Figure of $635 is a national average savings number from April 2020 through March 2021 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.

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