Vehicle Loans

Grab the keys and let's roll

You’re going places. We’ll help you find the vehicle to get there.

Whether you’re ready to buy, starting your search or looking to refinance your existing vehicle loan, you’re in the right place for personalized help from a team you can trust.

No matter where you are in your vehicle ownership journey, we’re here to help!

You can use our auto loan calculator to build an auto budget. Search our local dealership partners with AutoSMART to find the right vehicle. Even after you’ve financed your vehicle, we have a variety of benefits and resources for you – from insurance discounts to protections for you and your loan.

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Current rates

Annual Percentage Rate (APR)

6.49^%

APR on vehicle rate¹⁴ as low as

8.44^%

APR on RV loan¹⁵ as low as

12.30^%

APR on boat loan¹⁶ as low as

11.30^%

APR on motorcycle loan¹⁷ as low as

Apply now

See all rates »

The right vehicle loan for you

With great rates and quick approvals on our vehicle loans, we can help get you into your dream vehicle – whether that’s a new car, motorcycle, RV or boat. Applying for a vehicle loan is easy with our online application. Or, if you prefer to take care of financing when you’re ready to buy, visit a participating dealer and ask to finance through OCCU.

Available on new or used vehicles.
Finance through dealerships or private parties.
Offered on purchase or refinance.

Auto loans

When you’re ready to purchase your new or used car, truck or SUV, we’ll be ready with great rates and a quick and easy loan process. With an OCCU auto loan, you can purchase your next ride from a dealer or private party.

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RV loans

Feel at home wherever you go. A loan for a new or used RV puts the freedom of the road at your fingertips, making family vacations, road trips and retirement travel more affordable — and fun.

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Boat loans

Soak in Oregon’s breathtaking views from the helm of your own boat. With a new or used boat loan, you can enjoy all the fishing, water-skiing, sailing or wave-hopping you want.

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Motorcycle and powersport loans

Do you long to feel the wind on your face? A new or used motorcycle loan from OCCU can help get you on the open road. We also offer loans for ATVs, snowmobiles and personal watercrafts.

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Refinance options

If you’re looking to save money on an existing loan or looking to access the equity in your vehicle, our team’s here to help. We know that your vehicle is an important part of your day and we want to keep you on the move. Let us help find the right loan that works for your budget.

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Loan calculator

Use our loan payment calculator to estimate how much you can afford to help get you ready to find the right vehicle that fits your budget. Calculate the payment on your next ride or enter your target monthly payment and see how much you may be able to borrow.

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Start searching

If you’re ready to start shopping for a new car – look no further! Search current inventory with our partner dealerships to find your next ride at the right price. See current offers from local dealerships designed to help our members get more on their next purchase.

Start shopping

Secure your loan

You’ve found the perfect vehicle, now it’s time to find the right loan. You can get prequalified for an OCCU vehicle loan before visiting the dealership, or at the dealership you can ask to finance through OCCU with the Credit Union Direct Lending® program.

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Benefits for vehicle owners

After you find your perfect vehicle, get peace of mind with protection from the unexpected with Guaranteed Asset Protection, Major Mechanical Protection and Payment Protection. Bundle them with your loan at the time of financing. As a member, you can also find great car insurance at discounted rates.

Guaranteed Asset Protection

We’re here to help fill the gap. We all know that accidents happen. Guaranteed Asset Protection from OCCU helps make up the difference if your car is stolen or totaled.

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Major Mechanical Protection

Making sure you stay on the road. Take the pain out of unexpected repairs with Major Mechanical Protection.

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Payment Protection

We’re here to make sure you can weather the storm. Payment Protection could cancel your car loan payment if life takes a sudden turn.

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Additional insurance benefits

As an OCCU member, you're eligible for discounts on insurance. Contact our Insurance Services team to learn more.

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Have questions?

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¹⁴Auto loan annual percentage rates range from 6.49% to 23.86%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on an auto loan for $10,000 at 6.49% for 60 months, you would make 60 payments of $195.61.

¹⁵RV loan annual percentage rate range from 8.44% to 22.22%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on an RV loan for $10,000 at 8.44% for 60 months, you would make 60 payments of $204.88.

¹⁶Boat loan annual percentage rate range from 12.30% to 17.26%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on a boat loan for $10,000 at 12.30% for 60 months, you would make 60 payments of $223.96.

¹⁷Motorcycle loan annual percentage rate range from 11.30% to 16.26%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on a motorcycle loan for $10,000 at 11.30% for 60 months, you would make 60 payments of $218.92.