Celebrate Labor Day with an exceptional auto loan.
Fast, local financing makes the difference.
Exclusive Auto rates available from August 28 – September 3! When it’s time for a new or new-to-you vehicle, an OnPoint auto loan gets you on the road. With Labor Day promotional pricing starting as low as 5.99% APR* and flexible local financing, you’ll find the right option to get you where you need to go. Don’t miss out on this limited-time offer!2
Get pre-approved today!
Auto loan promo
Type | Available terms | Annual percentage rate (fixed)1 | Estimated minimum monthly payment |
|---|---|---|---|
Promotional rates effective 08/28/2025 – 09/03/2025.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 2015 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. Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off the stated APR (annual percentage rate). Discount does not apply to existing OnPoint auto loans. *APR=Annual percentage rate
72-month term for model years 2015 – 2018 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. | |||
Type Cars, trucks, vans - new & used (2015 and newer) | Available terms 36-60 months | Annual percentage rate (fixed)1 5.99% | Estimated minimum monthly payment $289.92 based on a 60 month, $15,000 loan at 5.99% APR* |
Type Cars, trucks, vans - new & used (2015 and newer) | Available terms 72 months2 | Annual percentage rate (fixed)1 6.24% | Estimated minimum monthly payment $250.03 based on a 72 month, $15,000 loan at 6.24% APR* |
Type Cars, trucks, vans - new & used (2019 and newer) | Available terms 84 months2 | Annual percentage rate (fixed)1 6.49% | Estimated minimum monthly payment $222.67 based on an 84 month, $15,000 loan at 6.49% APR* |
Type Cars, trucks, vans - new (2022 and newer) | Available terms 96 months2 | Annual percentage rate (fixed)1 7.24% | Estimated minimum monthly payment $343.84 based on a 96 month, $25,000 loan at 7.24% APR* |
Flexible financing options
Buy new
If you want the latest and greatest, we’ve got the low-rate financing to make it happen.
Refinance
See how exploring your options could lower your interest rate or monthly payment or buy out your lease
Financing at the dealership
Search for your next vehicle online with AutoSMART and get on-the-spot financing3 at the dealership.
Find your next ride at a local dealership.
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
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 nonprofit2
GET THE FLEXIBLE FINANCING YOU NEED.
Apply onlineDisclosures
Promotional rates effective 08/28/2025 – 09/03/2025.
All loan and line of credit rates are determined by credit unon 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 2015 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.
Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off the stated APR (annual percentage rate). Discount does not apply to existing OnPoint auto loans.
*APR=Annual percentage rate
- OnPoint Rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here.
72-month term for model years 2015 – 2018 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.
*By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age.
