Vehicle Loan Rates and Terms
Buying a new or used car or truck? We offer terms to fit most any budget and up to 60 days* before your first payment is due.
Less than perfect credit? Work with us to finance your next vehicle and save big money over the options available at the dealership!
Already financed somewhere else? We want your business. And when you bring your loan to On The Grid Financial, you’ll have up to 60 days* before making your first payment. That’s more cash in your pocket up front.
Are you paying at or near retail value? Add GAP protection** and peace of mind for as little as $450. We also offer Mechanical Repair Policies** and coverage for Loss of Life and Disability. Call us at 1.800.360.6362 to get more information on all three of these policies.
Rates current as of December 21, 2024
| Model Years | Term | Rates As Low As (APR***) |
|---|---|---|
| 2022 – newer | 12-36 months | 4.50% |
| 37-48 months | 4.50% | |
| 49-60 months | 4.50% | |
| 61-72 months | 4.75% | |
| 73-84 months | 5.25% | |
| 85-96 months | 7.75% | |
| 2018 – 2021 | 12-36 months | 5.00% |
| 37-48 months | 5.00% | |
| 49-60 months | 5.50% | |
| 61-72 months | 6.75% |
| Model Years | Rates As Low As*** |
|---|---|
| 2017 – older | 7.50% – 8.00% APR |
Approval subject to credit criteria. Interest will accrue from the date of the loan. This offer applies to new auto loans or refinanced auto loans from another financial institution.
Insurance and warranty products are not products of the Credit Union and are not obligations of or guaranteed by the Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member’s choice; and the Credit Union makes no representations as to the services of any provider.
APR=Annual Percentage Rate. As low as rate of 4.50% is for the purchase of a 2022 or newer model vehicle with a maximum term of 60 months. Your rate may be different based on your creditworthiness and could be higher than the stated rate. Maximum loan amounts based on NADA values (National Automobile Dealers Association). All rates and terms quoted are subject to change. Membership eligibility is required. A $10 Membership Account is required.