Get behind the wheel for less
Fast, local financing makes the difference.
Exclusive Auto rates available from May 22 – July 6! When it’s time for a new or new-to-you vehicle, an OnPoint auto loan gets you on the road. With promotional pricing starting as low as 4.74% 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!
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: 06-05-2026
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.
Estimate your monthly vehicle loan payment
Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.
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.
GET THE FLEXIBLE FINANCING YOU NEED.
Apply onlineDisclosures
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.
*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.
