When you’re in the market for a new or used car, truck or van, a great auto loan can make all the difference. With competitive rates and term options from 36 to 84 months, finding the right loan at OnPoint is easy.

Table data for Auto Loan Rates
 Rates Effective: 04-18-2019
Available Terms Annual Percentage Rate (Fixed) Alert Me
Cars, Trucks, Vans - New (2016-2019) 36 - 84 Months 3.74% - 8.29%
Cars, Trucks, Vans - Used (2009-2015) 36 - 84 Months 3.89% - 7.99%
Auto 2008 and older, other titled vehicles Up to 60 Months 8.50% - 9.50%
Rates effective 04-18-2019 and subject to change. Must meet OnPoint Community Credit Union membership and credit requirements. Maximum loan term for 3.74% APR is 60 months. A 72-month new auto loan with a $15,000 loan amount and APR of 4.39% would have a monthly payment of $237.35. All rates include a 0.50% discount for automatic payment from a qualifying OnPoint account. All loans are subject to credit terms and approval.

Frequently Asked Questions


All OnPoint loans are subject to credit terms and approval.

*Figure of $635 is a national average savings number from March 2018 through February 2019 of auto, homeowner and packaged policyholders' savings when compared to the policyholders' former premiums. Individual premiums and savings will vary. If you are purchasing insurance for yourself or as part of a credit union loan, you need to be aware of some important information. Insurance products are not deposits of OnPoint Community Credit Union and are not insured by the NCUA. They are not guaranteed by OnPoint Community Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by OnPoint Community Credit Union need not be purchased from OnPoint Insurance Services and may be purchased from an agent or an insurance company of the member's choice.

**Subject to credit terms and approval.