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Auto Loans

Fast, local financing makes the difference.

Get behind the wheel for less.

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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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.

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Save big this Memorial Day weekend.

Now through May 31, get into your new ride with a fixed auto loan rate as low as 3.49% APR. Plus, find the perfect option with up to 100% financing and terms up to 84 months.

Get pre-approved today

Auto Loan Promotional Rates

Available May 23 through May 31, 2019.

  • 3.49%

    Fixed APR for up to 60 months

    New and Used Cars, Trucks and Vans

  • 3.74%

    Fixed APR for 72 months

    New and Used Cars, Trucks and Vans

  • 3.99%

    Fixed APR for 84 months

    New and Used Cars, Trucks and Vans

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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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 $6293 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

Get the flexible financing you need.

Stop by an OnPoint branch.

Find your nearest location

Apply online.

Get started today

Give us a call.


All OnPoint loans are subject to credit terms approval.
1 Subject to credit terms and approval.
2 Figure of $629 is a national average savings number from May 2018 through April 2019 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.

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