Vehicle Loans

Grab the keys and let's roll

You’re going places. We’ll help you find the wheels to get there. Whether you’re ready to buy or just starting your search, you’re in the right place for personalized help from people you can trust.  


Use our auto loan calculator and a guide to our partner dealerships to find your next car.  Already own a car? We have a variety of benefits and resources for you too – from insurance discounts to protections for you and your loan. 

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Finance with OCCU 

With great rates and quick approvals on our auto loans, we remove roadblocks so you can zip through the loan process and drive away in the ride you’ve been wanting—be it a car, motorcycle, RV or boat. Apply for an auto loan easily with our online application. Or, if you prefer to take care of financing when you’re ready to buy, just visit a participating dealer and ask to finance through OCCU.

Calculate your auto payment

Use our loan payment calculator to estimate how much you can afford. Calculate the payment on your next ride, or enter your target monthly payment and see how much you may be able to borrow.

Calculate now

Start your search

If you’re about to start shopping for a new car, either at a dealer or through a private party, it pays to compare rates. Before you choose where to finance, check OCCU for great rates and even better service.

Visit a dealer



Apply in advance, or visit a participating dealer and ask for OCCU financing through the Credit Union Direct Lending® program.

Start shopping

Apply in advance



Getting pre-qualified for an OCCU vehicle loan lets you know exactly how much you can spend—giving you an edge when negotiating the price of your new ride.

Apply online

Current offers

We partner with local dealerships to offer our members the right deal on the cars that are right for them.

Find dealers
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Someone caused an accident that pushed a truck into my car, totaling it. Taking care of my kids and having to work, I needed a new one fast. OCCU made everything quick and easy within one day...

Amanda D.

Benefits for vehicle owners 

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

Fill the gap

Accidents happen. Guaranteed Auto Protection from OCCU helps make up the difference if your car is stolen or totaled.

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Weather the storm

Debt Protection could cancel your car loan payment if life takes a sudden turn.

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Stay on the road

Take the pain out of unexpected repairs with Mechanical Breakdown Protection.

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Insurance benefits

As an OCCU member, you're eligible for discounts on insurance through our partners TruStage and SWBC.

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Have questions?

Want to learn more about our vehicle loans? Let's connect!

*Auto Loan APR 3.67% to 17.35%. Rates may change and are current as of 03/5/19. For example, on an auto loan for $20,000 at 3.96% for 74 months, you would make 74 payments of $305.06.

**RV Loan APR 3.99% to 8.27%. Rates may change and are current as of 06/20/18. For example, on an RV loan for $9,000 at 3.99% for 60 months, you would make 60 payments of $165.70.

***Boat loan APR 5.75% to 7.49% Rates may change and are current as of 01/01/19. For example, on a boat loan for $5,000 at 5.75% for 72 months, you would make 72 payments of $82.28.

****Motorcycle Loan APR 4.75% to 9.25% Rates may change and are current as of 05/17/17. For example, on a motorcycle loan for $5,000 at 4.75% for 72 months, you would make 72 payments of $79.95.

*^Offer available for all titled vehicles. Not available on current Oregon Community debt. Loan terms available may vary depending on amount borrowed, credit history, payment method, and model, make, year, and mileage. Rebate, if applicable, is given at time of refinance and is 1% of the loan amount rounded up to the nearest $5. $500 maximum rebate per vehicle. If the refinanced loan is paid off within 12 months, the rebate must be repaid. Credit qualifications apply. Membership requirements apply. Other exclusions and/or restrictions may apply. Offer subject to end at any time, without notice.