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Green Auto Discount

For those driven to save a little green. Power up and get into your ride with rates as low as 4.99% APR.

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.

Apply online
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Auto loans
including the Green Auto Discount as low as
4.99%
APR

Auto Loans--including Green Auto discount [for reference to Green Horizons and Green Auto pages only]
Auto Loans--including Green Auto discount [for reference to Green Horizons and Green Auto pages only]

Available terms

Annual percentage rate (fixed)1

Estimated minimum monthly payment

Rates Effective: 12-06-2022

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 2012 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.

Rates above assume vehicle meets OnPoint’s green auto discount standards and include a 0.25% discount off regular auto loan APR (annual percentage rate). Discount does not apply to existing OnPoint auto loans or promotional rates.

*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 2012-2015 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.

New electric or hybrid vehicle
(2019 and newer)

Available terms

36-60 months

Annual percentage rate (fixed)1

4.99% - 8.44%

Estimated minimum monthly payment

$283.00 based on a 60 month, $15,000 loan at 4.99% APR*

New electric or hybrid vehicle
(2019 and newer)

Available terms

72 months

Annual percentage rate (fixed)1

5.24% - 8.89%

Estimated minimum monthly payment

$243.25 based on a 72 month, $15,000 loan at 5.24% APR*

New electric or hybrid vehicle
(2019 and newer)

Available terms

84 months2

Annual percentage rate (fixed)1

5.49% - 9.14%

Estimated minimum monthly payment

$215.48 based on an 84 month, $15,000 loan at 5.49% APR*

New electric or hybrid vehicle
(2019 and newer)

Available terms

96 months2

Annual percentage rate (fixed)1

5.99% - 10.49%

Estimated minimum monthly payment

$328.41 based on a 96 month, $25,000 loan at 5.99% APR*

Used electric or hybrid vehicle
(2012-2018)

Available terms

36-60 months

Annual percentage rate (fixed)1

5.14% - 8.84%

Estimated minimum monthly payment

$284.03 based on a 60 month, $15,000 loan at 5.14% APR*

Used electric or hybrid vehicle
(2012-2018)

Available terms

72 months

Annual percentage rate (fixed)1

5.39% - 9.19%

Estimated minimum monthly payment

$244.30 based on a 72 month, $15,000 loan at 5.39% APR*

Used electric or hybrid vehicle
(2016-2018)

Available terms

84 months2

Annual percentage rate (fixed)1

5.84% - 10.49%

Estimated minimum monthly payment

$217.98 based on an 84 month, $15,000 loan at 5.84% APR*

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
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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.

Learn more about Green Horizons

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
Accelerate your decision.

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.

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.

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