Finance your car or truck: apply for a loan online

Finance new and used cars and trucks with Oregon State Credit Union's online loan application and loan calculators, giving you options to buy or refinance vehicles that fit your lifestyle.


Find cars and trucks to buy: shop online here

Looking for a smart choice for online car shopping? Use this car-finding tool to search for, build, research options and finance vehicles with ease.

  1. Use the "Find your vehicle" tool below.

  2. Select your options in the drop-down menus, then click search.

  3. See the “Plus” dealer list for buyer ratings and price locks, plus choose pre-approved funding.

Auto loan disclosures, rates and fees

Auto loan rates
Effective Date: Friday, June 2nd, 2023
Vehicle typeAPR (Low)*APR (High)Repayment terms
New auto (2020 - 2021) 3.24% 16.24% Up to 72 months
New auto (2020-2021) 3.74% 16.49% 73-84 months
Used auto (2006-2019) 3.49% 16.74% Up to 72 months
Used auto (2006-2019) 3.99% 16.99% 73-84 months
Classic used auto (2005 and older) 3.49% 16.74% Up to 60 months

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:

  • A $10,000 new auto loan with a 60 month repayment term will have a 3.24% APR and a monthly payment of $180.79.
  • A $20,000 used auto loan with a repayment term of 84 months will have a 3.99% APR and a monthly payment of $273.34.
  • If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

Apply online for an auto loan

Smaller auto loan payment, or shorter term?

  • As you think about how you'll finance your car or truck, remember that your auto loan has two components: the interest rate and the length of the term, or how long it will take you to pay off the loan assuming you never skip any payments or make extra payments. The term is important because, like the interest rate, it affects the size of your monthly payment. A longer term translates into a smaller payment; a shorter term translates into a larger payment. See more: Smaller auto loan payment, or shorter term?

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