Save More with Our Low-Rate New Auto Loans
Competitive Rates
Our low rates help you keep more of your hard-earned money.
Flexible Terms
Choose a repayment option that fits your budget with our flexible loan terms.
Loan Pre-Approval
Find out how much you qualify for to save time while vehicle shopping.
Easy Loan Application
Get behind the wheel faster with our simple, stress-free loan application process.
New Vehicle Financing in Ohio
Finance your next vehicle with a loan built around clear terms and repayment periods of up to 84 months. OUCU offers quick pre-approvals and fast loan decisions so you can spend less time waiting and more time shopping.
Our new vehicle financing includes:
- Quick pre-approvals
- Minimal paperwork
- Fast loan decisions
- No hidden fees
- Access to AutoSMART and loan payment calculators
Ready to get started? Apply online, contact our team, or get pre-approved before you begin shopping for your next vehicle.
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New Auto Loan Rates
Vehicle Loans Annual Percentage Rate (APR) as low as*
| Maximum Term |
24 Months |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
| New Vehicles (2025 or newer) |
5.49% APR* |
5.49% APR* |
5.49% APR* |
5.49% APR* |
5.74% APR* |
5.99% APR* |
APR = Annual Percentage Rate
*New vehicle rate is for the current model year or prior model year with fewer than 15,000 miles. Subject to credit approval. All annual percentage rates and annual percentage yields subject to periodic change. Call us for further information on applicable fees and terms. Rates apply to new loans only. Rates are quoted as low as. Your actual rates and repayment terms will be based on your credit history. The minimum loan amount on an auto loan for 72 months is $20,000 and for 84 months $30,000.
Prime rate for the quarter beginning 1/1/26 is 6.75%
VIEW ALL RATES
New Auto Loan FAQs
What is loan pre-approval?
Loan pre-approval is a preliminary review of your finances that provides an estimate of how much you may qualify to borrow. Pre-approval is not the same as a formal loan offer, which requires a more detailed review of your finances and a hard credit inquiry.
How are new auto loan rates determined?
New auto loan rates are based on factors such as credit history, loan term, and overall creditworthiness. Your actual rate and repayment terms will be determined during the loan approval process.
What is GAP insurance?
GAP (Guaranteed Asset Protection) insurance helps protect you if your vehicle is totaled or stolen and the insurance payout is less than the amount you still owe on your auto loan. It covers the difference between your car's current value and the remaining loan balance.
Can I pay off my new auto loan early without penalty?
Yes. There is no penalty for making extra payments or paying off your loan early, which may help reduce the amount of interest you pay over the life of the loan.
Loan payments can be made through online or mobile banking, at a branch, or by mail.
Do I need to be an OUCU member to apply for a new auto loan?
Yes, you must become a member to apply for a credit union new auto loan.
Membership is available to individuals who live, work, worship, or attend school in Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, or Meigs County.
You may also qualify if you are a current or former Ohio University or Hocking College employee, student, or graduate, or if you have an eligible family member. View all membership qualifications here.
Auto Loan Resources
Not sure what terms you’re looking for when qualifying for a new auto loan? The following resources may help you figure out what’s best for you.
Auto Loan Calculators
Our suite of calculators helps you estimate monthly payments and explore different loan scenarios based on terms, down payment, and interest rates. Plan your auto financing with confidence using real numbers tailored to your situation.
Learn More
Car Loans: How Much You Can Get Approved For
Your dream car might be more attainable than you think. Loan approvals often exceed buyer expectations, and knowing the key factors can maximize your purchasing power.
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Car Finance Resources
The right financing decisions can save you thousands on your car purchase. Our guide outlines proven strategies for better rates, smarter terms, and greater buying power.
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Need Help With Your Auto Loan? We’re Here to Help!
Explore Auto Loan Options from OUCU!
