AUTO

AUTO LOANS, LEASE BUYOUT AND CAR LOAN REFINANCE MADE SIMPLE AND AFFORDABLE

Rates as low as low as 4.99% (5.28% APR) 84 months on a Refinance or Lease Buyout!¹

Your vehicle is among your most significant investments. So finance your car, truck, van, or SUV with the loan experts at OC Federal Credit Union.

We specialize in lease buyouts and refinance. Keep the car you love and get a Great Rate!

Apply quickly and conveniently, find an affordable term and payment to fit your budget, and sign your docs – from anywhere! We underwrite and process auto loans in-house to make your loan experience even more affordable and hassle-free.

Lease Buyout or Refinance

To refinance, loan must be with another institution.

as low as 4.99% (5.28% APR)¹ 84 Months

SEE ALL RATES

¹APR: Annual Percentage Rate. APR is the lowest rate available and is subject to credit approval. Maximum term 84 months, maximum LTV 100%, minimum loan amount $20,000, and FICO score of 760 or above are required to qualify for lowest rate. Actual rate may vary based on creditworthiness, loan-to-value (LTV), term, and other factors.

Promotion applies to refinance or lease buyout of 2020 or newer vehicles with fewer than 85,000 miles. Existing auto loans being refinanced must be at least 90 days old and held with another lender. Existing OC Federal auto loans are not eligible. Members must enroll in automatic monthly payments from an OC Federal checking account to qualify for promotional rate. Secured Vehicles must carry collision and comprehensive insurance. Commercial vehicles are excluded. A $25,000 refinance at 4.99% interest rate (5.28% APR) would result in 84-monthly payments of $356.69.

All offers are subject to credit approval, internal lending policies, applicable terms, membership eligibility, and may change at any time. Membership eligibility requires the purchase of a $5.00 membership share held in a share savings account.

Get your quote today!

AUTO LOAN OPTIONS

LEASE BUYOUT

Can’t bear the thought of parting with your leased vehicle? We’ll help you get out of your lease with your current lender and put you on the road to ownership! Our loan experts will guide you each step of the way.

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REFINANCE

Had enough of high rates, expensive payments or poor service from your current lender? Bring your auto loan over to OC Federal Credit Union.

We’ve even helped members refinance multiple vehicles at the same time. Rely on our loan experts to make your refinancing process simple and hassle-free.

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NEW VEHICLES

Can’t resist that new car smell? We’ll finance up to 100% MSRP, plus tax and fees, on new vehicles.

Choose flexible terms up to 72 months, with NO prepayment penalty. Plus you can protect yourself financially with low-cost GAP PLUS insurance, and protect your vehicle with affordable extended warranty options.

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PRE-OWNED (USED) VEHICLES

You see the value in buying a pre-owned (used) vehicle, so why not match it with affordable financing? We finance used vehicles up to 105% of NADA book value.

Find a budget-friendly payment with a term up to 72 months, and NO prepayment penalty. Plus you can protect yourself financially with low-cost GAP PLUS insurance, and protect your vehicle with affordable extended warranty options.

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OC Federal Credit Union OCFCU Borrow Auto Loan Car Financing Investment Insurance

HELPING YOU PROTECT YOUR INVESTMENT

GAP 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.

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.