Used Auto Loans
Save big with a reliable used vehicle instead of buying new — and save even more with our affordable credit union used auto loans! Enjoy lower rates than traditional banks and benefit from smaller loan amounts that make your payments more budget-friendly. Apply for a used auto loan today and drive away with a great deal and a dependable car you’ll love!
Affordable and Flexible Credit Union Used Auto Loans
Our used auto loans are an affordable and stress-free way to finance your next vehicle. With our low rates, flexible terms, and easy application process, we’ll help you get the financing you need with payments you can afford. Apply for a used auto loan today to hit the road faster with smarter financing.
Competitive Rates
Our low rates help you save more of your hard-earned money.
Flexible Terms
Terms of up to 72 months are available to help you get affordable payments.
Loan Pre-Approval
Find out how much you qualify to borrow before you start shopping for a vehicle.
Easy Loan Application
Our loan application is quick and easy to save you time.
Drive Home a Great Deal with Our Used Auto Loans in Ohio
Get more car for your money with a reliable used model! A used vehicle in good condition can save you thousands over the cost of a new vehicle. You'll have less to repay, which means you can pay off your loan sooner and have a lower monthly payment amount.
Take advantage of a low used auto rate that may be lower than the rates for new cars with other lenders. Our used auto loans have flexible terms of 12 to 72 months, with shorter terms having lower rates. Apply for a used auto loan today and drive away with a great deal!

Used Auto Loan Rates
Vehicle Loans Annual Percentage Rate (APR) as low as*
Maximum Term | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months |
---|---|---|---|---|---|
Used Vehicles (2023 - 2020) | 6.75% APR* | 6.75% APR* | 6.75% APR* | 6.75% APR* | 7.00% APR* |
Used Vehicles (2019 or older) | 7.10% APR* | 7.10% APR* | 7.10% APR* | 7.10% APR* | 7.35% APR* |
All Tiers, All Terms |
Rates accurate as of: 1/1/25
APR = Annual Percentage Rate
Term of loan will depend on the age of the vehicle and the amount financed. 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.
Prime rate for the quarter beginning 1/1/25 is 7.50%
Additional Features of Our Credit Union Used Auto Loans
No Closing Fees
Keep your costs low with a loan that eliminates closing fees entirely.
No Prepayment Penalties
Make extra payments or pay off your loan early to save on interest.
No Hidden Fees
What you see is what you get — simple, transparent financing with no surprises.
Fast Loan Decisions
Get the financing you need quickly to keep your plans on track.
Optional Credit Life & Credit Disability Insurance
Optional insurance ensures your loan payments will be made in the event of an accident, injury, or death.
Personalized Support
Our dedicated team is here to support you every step of the way.
How to Apply for a Used Auto Loan
Step
1
Apply for a Loan
Conveniently apply online by clicking the button below, by phone, or in person at a branch.
Step
2
Application Review
We’ll review your loan application, crunch the numbers, and give you a fast loan decision.
Step
3
Finalize the Loan
Have the dealer send us a purchase agreement and we'll help with the closing. Sign loan documents on the go from anywhere or in the branch!