Make financing your next ride easy

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You’ve been cooped up in the house long enough. There’s a whole world out there waiting to be explored—all you need are the right wheels to carry you.

Buying a vehicle can be a stressful experience—but it doesn’t have to be. From loan pre-approval to shopping for the best deal, OCCU helps our members get on the road quickly and with great low rates. Whether your next vehicle is new or used, from a dealership or private seller, you can speed through our streamlined financing process and drive away with a loan that fits your budget.

No matter how you plan to shop for your vehicle, starting your search with OCCU can save you both time and money. Let’s explore which option will work best with what you’re looking for.


Purchasing from a private party?

Buying a vehicle from a private seller allows you to avoid the price markup at dealerships and score a better deal. We can help you finance your vehicle through a private party sale so you can get the wheels you want no matter who the seller is.

Start by using our loan calculator to figure out the right loan amount and monthly payment for your budget. Next, apply online to get pre-approved. With your pre-approval in hand, you’re ready to start car hunting.


Shopping at the dealership?

Visiting a dealership gives you more options to choose from and allows you to buy from a seller with a reputation you trust. There are two ways OCCU can finance your vehicle at the dealership:

1. Get pre-approved. Having a loan pre-approval in your pocket can help strengthen your bargaining position at the dealership. It also helps you stay within your budget, since you’ll know how much you’re approved for and what your interest rate will be before you step foot on the car lot. Use our loan calculator to figure out what you can afford and apply for pre-approval online.

2. Get approved at the dealership.

Shopping without pre-approval gives you a bit more flexibility, since you won’t have to worry about a predetermined approval amount or pre-approval time frame. Even if you wait to get approved at the dealership, you can still request financing from OCCU through the Credit Union Direct Lending (CUDL) program. Your loan will be handled between the dealership and OCCU.

Ready to start shopping? Visit our AutoSMART page to search new and used vehicles online and find local dealers you can trust.

Whichever way you decide to finance your next vehicle, OCCU is here to make sure you get into your ride for a great rate. Check out our vehicle loan options and get rolling on your next set of wheels.