Green Auto Discount
Get 0.25% APR* off our already low auto loan rates.
When you finance your new or used electric or hybrid vehicle with OnPoint, you save money while also limiting carbon emissions. It’s a great way to get the car you want, while helping to protect the planet you love.
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. You can even shop and apply right at the dealership.
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2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | 96 months | |
|---|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.99% - 9.44% | 72 months 5.24% - 9.89% | 84 months 5.49% - 10.14% | 96 months 7.24% - 12.74% |
Estimated minimum monthly payment | 36 - 60 months $292.37 based on a 60 month, $15,000 loan at 6.34% APR* | 72 months $252.79 based on a 72 month, $15,000 loan at 6.59% APR* | 84 months $226.68 based on a 84 month, $15,000 loan at 7.04% APR* | 96 months $369.38 based on a 96 month, $25,000 loan at 9.24% APR* |
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | |
|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 5.14% - 9.84% | 72 months 5.39% - 10.19% | 84 months 5.84% - 11.49% |
Estimated minimum monthly payment | 36 - 60 months $294.48 based on a 60 month, $15,000 loan at 6.64% APR* | 72 months $254.94 based on a 72 month, $15,000 loan at 6.89% APR* | 84 months $230.37 based on a 84 month, $15,000 loan at 7.54% APR* |
2016-2019 Used Auto Loans (Cars, trucks & vans)3
36-60 month | 72 months | |
|---|---|---|
Annual percentage rate (fixed)* | 36-60 month 5.14% - 9.84% | 72 months 5.39% - 10.19% |
Estimated minimum monthly payment | 36-60 month $294.48 based on a 60 month, $15,000 loan at 6.64% APR* | 72 months $254.94 based on a 72 month, $15,000 loan at 6.89% APR* |
Older/Other Titled Vehicles
Up to 60 months | |
|---|---|
Annual percentage rate (fixed)* | Up to 60 months 10.99% - 12.99% |
Estimated minimum monthly payment | Up to 60 months 258.41 based on a 48 month, $10,000 loan at 10.99% APR |
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
96 months
Annual percentage rate (fixed)*
4.99% - 9.44%
5.24% - 9.89%
5.49% - 10.14%
7.24% - 12.74%
Estimated minimum monthly payment
$292.37 based on a 60 month, $15,000 loan at 6.34% APR*
$252.79 based on a 72 month, $15,000 loan at 6.59% APR*
$226.68 based on a 84 month, $15,000 loan at 7.04% APR*
$369.38 based on a 96 month, $25,000 loan at 9.24% APR*
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
Annual percentage rate (fixed)*
5.14% - 9.84%
5.39% - 10.19%
5.84% - 11.49%
Estimated minimum monthly payment
$294.48 based on a 60 month, $15,000 loan at 6.64% APR*
$254.94 based on a 72 month, $15,000 loan at 6.89% APR*
$230.37 based on a 84 month, $15,000 loan at 7.54% APR*
2016-2019 Used Auto Loans (Cars, trucks & vans)<sup>3</sup>
36-60 month
72 months
Annual percentage rate (fixed)*
5.14% - 9.84%
5.39% - 10.19%
Estimated minimum monthly payment
$294.48 based on a 60 month, $15,000 loan at 6.64% APR*
$254.94 based on a 72 month, $15,000 loan at 6.89% APR*
Older/Other Titled Vehicles
Up to 60 months
Annual percentage rate (fixed)*
10.99% - 12.99%
Estimated minimum monthly payment
258.41 based on a 48 month, $10,000 loan at 10.99% APR
Rates Effective: 07-14-2026
*APR=Annual percentage rate
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.
We work with local dealerships.
Search thousands of vehicles near you with OnPoint and AutoSMART. Plus, you can get on-the-spot financing within minutes from our dealer partners (subject to credit terms and approval). Best of all, you’ll still benefit from our green auto discount—even when you apply at the dealership.
Start searching online for your next vehicle
Taking steps to make a difference.
As part of OnPoint Green Horizons, we provide special rate discounts on energy efficient vehicles and solar panels. Plus, this year we’re donating a total of $100,000 to organizations committed to protecting our local environment.
Quick and easy application process.
Getting an excellent auto loan rate is easy. You can apply online now using our secure application, or bring your information to your nearest OnPoint branch. Here’s what you’ll need:
- Your personal information such as your name, address, phone number and Social Security number
- The make, model and year of your electric or hybrid vehicle or the vehicle your would like to finance
- The amount you would like to finance or refinance
- Your current interest rate for refinances
It’s that simple to receive your decision in minutes—whether you apply in person or online. Once you submit your application we’ll verify your new rate, provide next steps, and help with the paperwork.
Apply online today
Apply online today or visit your nearest branch.
Disclosures
* APR = annual percentage rate. Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR (annual percentage rate). All OnPoint loans are subject to credit terms approval. Discount does not apply to existing OnPoint auto loans.
