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Auto Loans

Finance your dream vehicle

Enjoy the same low rate for new, used, or refinanced vehicles!

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24 Month

as low as APR

36 Month

as low as APR

48 Month

as low as APR
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Auto Loans

Enjoy the same low rate for new, used, or refinanced vehicles!

Save even more with a discounted rate on hybrid or EV vehicles.

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First Time Auto Loans

Save up to 1% on your rate as a new buyer. No credit history needed. Finance up to 120% of your vehicle's value!

Start your Auto Loan Application today!

  • 1

    Submit application

    Submit an application online 24/7, call us, or visit your local branch.

  • 2

    Get pre-approved

    We'll notify you when your pre-approval is completed, usually the same day.

  • 3

    Need insurance?

    Get your insurance with special member discounts.

Apply now

Very happy with the service and speed of the loan.

— Michelle N.

We've got you covered

Whether you're shopping for a new car, looking for insurance, or protecting you and your vehicle, we have everything you need to keep you worry-free.

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Auto
Advisors

Our complimentary Auto Advisor will help find you the perfect car within your budget.

Learn more

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Oak Tree
Insurance Agency

Protection for your auto, home, and business. Let Oak Tree compare your coverages today.

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Guaranteed Asset Protection
(GAP)

Drive with peace of mind knowing you're protected if your vehicle is totaled.

Learn more

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Motor Vehicle Acquisition Plan (MAP)

Save money with the features of a lease and the advantages of ownership.

Get a quote

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Mechanical Repair Coverage (MRC)

Protect yourself from costly repairs after your warranty expires. Benefits included rental reimbursement, roadside assistance, and no out-of-pocket expenses.

Contact us

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Member
Protect

Feel confident knowing you're protected from financial burdens due to loss of life, disability, or unemployment.

Learn more

It's easy to buy the car you need

Get an auto loan with low rates and flexible terms to fit your unique budget.

  • **Motor Vehicle Acquisition Plan is only available for non-commercial passenger vehicles.

    ***If you opt to turn in your vehicle at the end of the term, a disposition fee of $395.00 will apply.

    ¹ Subject to creditworthiness. Other significant terms apply. Program subject to change at any time without notice. For more information, ask a Representative for details. Cannot go below our lowest published rate. Minimum rate is the current lowest advertised rate, APR. Down Payment and/or cosigner may be needed

    ² Stated rate assumes term of 24 months and LTV under 75%.

    ³ First Time Auto Loan – To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate.