Get behind the wheel for less.

Fast, local financing makes the difference.

OnPoint offers flexible, local financing for new or used vehicles. We make it easier to get the financing you need by streamlining the process as much as possible. Take advantage of our limited-time promotional rates available from May 25-31, 2023.

Get pre-approved today!

Additional auto loan rate info

Auto Loan Promotional Rates
Auto Loan Promotional Rates

Available terms

Annual percentage rate (fixed)1

Estimated minimum monthly payment

Promotional rates effective 5/25/2023 – 5/31/2023.

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 2013 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 (annual percentage rate). Discount does not apply to existing OnPoint auto loans.

*APR=Annual percentage rate

  1. Bundle rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
  2. 72-month term for model years 2013-2016 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.

Cars, trucks, vans - new & used (2013 and newer)

Available terms

36-60 months

Annual percentage rate (fixed)1


Estimated minimum monthly payment

$293.42 based on a 60 month, $15,000 loan at 6.49% APR*

Cars, trucks, vans - new & used (2013 and newer)

Available terms

72 months2

Annual percentage rate (fixed)1


Estimated minimum monthly payment

$253.87 based on a 72 month, $15,000 loan at 6.74% APR*

Cars, trucks, vans - new & used (2017 and newer)

Available terms

84 months2

Annual percentage rate (fixed)1


Estimated minimum monthly payment

$226.32 based on an 84 month, $15,000 loan at 6.99% APR*

Cars, trucks, vans - new (2020 and newer)

Available terms

96 months2

Annual percentage rate (fixed)1


Estimated minimum monthly payment

$350.12 based on a 96 month, $25,000 loan at 7.74% APR*

Trust the local leader in car financing - OnPoint is here to guide you.

Get pre-approved

Enjoy the convenience of getting pre-approved for your auto loan online or in-branch with our team.

Apply online

Enjoy seamless financing

Experience hassle-free financing at our partnering dealerships, ensuring a seamless and efficient process that allows you to drive off in your new vehicle with ease.

Apply online
close_quote_large close_quote_large

Definitely a great place to get a loan! The people were all really friendly during a small payment issue I had, but they went above and beyond in regards to the issue. I will definitely use again for my next auto loan.

- Anson W.

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
woman sitting at local dealership signing new auto loan papers


When you finance an electric or hybrid vehicle, you’ll get a 0.25% APR* discount & we’ll donate to a local non-profit.

Apply today

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.
10 business days after the final payment has been received, your title will be sent to the address we have on file for you. If you need your title sooner, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9 a.m. to 3 p.m.) to review options.
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 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 us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9 a.m. to 3 p.m.), send a secure message within Online Banking, or visit your nearest branch for assistance.


Apply online


All OnPoint loans are subject to credit terms and approval.
*APR = Annual Percentage Rate

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.



You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.



Cancel Accept