Auto Refinance – Promo GET A LOAN | AUTO GET A GREAT RATE ON YOUR AUTO REFINANCE LOAN OC Federal offers the best auto refinancing rates today! Our Great Rates can lower your monthly payment and save you on interest. We reward your good credit and always explain how auto refinance works. Our Loan Zone has over 100 years of combined lending experience so you can benefit from the credit union difference. We give you personalized service that banks just can’t match. Get started on your quote today! CALL NOWGET YOUR QUOTE TODAY! You’ve got questions. We’ve got answers!Can I get pre-approved before I shop for a vehicle? If you meet our membership eligibility requirements and underwriting standards, we can pre-approve you for a loan. Get extra bargaining power and shop dealerships with confidence knowing exactly what you can afford. WHAT DO I NEED TO QUALIFY? Once you submit a completed loan application, we consider several factors including credit score, credit history, personal income and your ability to repay. Do you handle title transfers? We handle all title transfers when you finance a vehicle with us. Can I finance a private-party sale through you? Yes, members can finance a private-party vehicle purchase with us. We will not finance any vehicles with salvage or rebuilt titles. What is GAP insurance? GAP (Guaranteed Asset Protection) insurance is a coverage we offer that pays the difference between the actual cash value (ACV) insurance company settlement and the eligible balance of the member’s loan in the event the vehicle is stolen or damaged beyond repair. HELPING YOU PROTECT YOUR INVESTMENTGAP Insurance We offer Guaranteed Asset Protection (GAP) insurance that covers the difference between an insurance settlement and your loan payoff in the event your vehicle is stolen or declared a total loss. That difference could be as high as thousands of dollars – which you would owe out-of-pocket to pay your loan back. Mechanical Breakdown Protection Avoid expensive repairs should your vehicle break down with affordable coverage options to ensure your vehicle is protected. Plus get access to more coverage benefits like Roadside Assistance Reimbursement, Rental Vehicle Assistance, Tire Road Hazard, and Trip Interruption. Credit Life and Disability Insurance Don’t leave loan expenses for your loved ones. We offer affordable insurance designed to cover your loan payments in the event of death or disability. Talk With Us Call (216) 478-0067 or chat live online during business hours. CALL US Get A Quote It only takes a minute to request a loan quote. We’ll contact you to discuss your options. GET A QUOTE Apply Online Submit your loan application online from your device. APPLY ONLINE Make the Most of Your Money With OC Federal Discover how you can unlock your money’s potential and achieve your financial goals with the help of the OC Federal Credit Union! SEE ALL THE POSTS Is Gap insurance worth it?If your vehicle gets totaled or stolen and you owe more on the loan than what your car […]Mortgage Points: Should You Pay These Optional Fees?What Are Mortgage Points (and Should You Pay for Them)? When you’re shopping for a mortgage, you might […]OC FEDERAL NOW OFFERING MEDICARE ADVANTAGE PLANSWhat Medicare Advantage plans are available? There are five types of Medicare Advantage plans: What is the most […] SEE ALL THE POSTS Every experience I’ve had dealing with OC Federal has been excellent. Everyone is always very helpful and courteous. Allison S.,OC Federal Member Consistently competitive rates and outstanding customer service. Michael S.,OC Federal Member Banking is easy and pleasant. The tellers are very accommodating and well-educated. Bernadette L.,OC Federal Member Math is Hard (Sometimes) Let us help you crunch the numbers with our financial calculators. LEARN MORE