Auto Loans
Get a Low-Cost Auto Loan
Whether you’re looking for your next adventure or next vehicle, a OCU auto loan offers lower rates and term options to fit your lifestyle and budget.
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New Car Loans or Used Car Loans. Same Low Auto Loan Rates.
As a OCU member, you can enjoy some of the lowest auto loan rates around on both new car loans and used car loans. So you can keep your monthly payments affordable.
APR* as low as:
- Up to 24 months 3.75%
- 25 to 36 months 4.25%
- 37 to 48 months 4.50%
- 49 to 60 months 4.75%
- 61 to 72 months 5.25%
- 73 to 84 months 6.25%
Rates apply to new and used vehicles, or a refinanced auto loan from another lender. Used vehicles are financed at NADA Retail Book Value, plus taxes.
*Annual Percentage Rate. Advertised rate is “as low as” and is determined by the credit-worthiness of each applicant. Rates subject to change without notice. Rates are for new OCU loans; current OCU loans are not eligible for rate refinancing. At 2.75% APR with a 24-month term, you will make 24 monthly payments of $43.00 per $1,000 of the loan. Please use our payment calculator for specific payment estimates.
*73-84 month term is for vehicles 4 years old or newer and for loans of $25,000 or more.
Use our calculator to determine your monthly payments, or apply now.
Already Have a Car Loan? Refinance and save.
You can refinance your higher-interest auto loan from another lender to lower your monthly payments and save hundreds over the life of your loan.
Use our calculator to determine your monthly payments, or apply now.
Extended Auto Loan up to 84 Months
We offer extended term auto loans for up to 84 months. The vehicles must not be greater than 4 years old and the loan amount must be $25,000 or more.
Our auto loan rates for 73 – 84 month auto loans are as low as 6.25%.
Use our calculator to determine your monthly payments, or apply now.
Whether You’re Looking for New Car Loans or Used Car Loans, OCU Makes It Affordable.
To Discuss Your Options for Buffalo, NY Auto Loans…