CONSUMER LOAN OPTIONS

Auto, Truck, and Motorcycle Loan Options

People are driving and holding onto their cars and trucks a lot longer than they used to. In fact, experts say most vehicles are lasting an average of 11 years nowadays. That means you need a loan you'll like for a long time.

Find a loan that suits your needs. OTCU offers flexible terms and competitive rates on financing for your car, truck or motorcycle; plus all decisions are made locally. OTCU's vehicle loans are tailor-made for all types of financial needs. With our help, you choose the loan that is right for you.

Pick the term that works for you and your budget...



Sample monthly payments

$20,000 truck, $1,000 down payment

Lower your rate and payment with additional discount option below.

*Rates subject to change without notice. Approval rate based on credit score, account relationship, LTV, model year, and loan term. See loan officer for more details.

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Boat, RV, Camper, and Snowmobile Loan Options

No matter what season of the year it is, we have the recreational loan to help make your dreams come true. Whether it's boating or camping in summer or snowmobiling in the winter, or ATV'ing anytime of year, we can help you finance your dream.

Pick the term that works for you and your budget...



Sample monthly payments

$11,000 boat, $1,000 down payment

Lower your rate and payment with additional discount options shown below..

*Rates subject to change without notice. Approval rate based on credit score, account relationship, LTV, model year, and loan term. Additional terms are available. See rates page or contact loan officer for more options.

Apply Now



Reward yourself with these additional rate discounts…



OTCU can help save you money and make your life simpler!

Free pre-approvals that put you in the driver's seat.

Going to the dealer to negotiate isn't fun for anyone. We want you to get the best deal for your vehicle possible. By working with our loan team before you ever step foot into a dealership, we can help you get pre-approved for a vehicle price that fits your monthly budget.

Knowing how much you can spend on a car or truck makes negotiating your purchase price way easier. We can run a blue – book value on your trade in so you know what it's worth before you hit the dealers lot. Knowledge is power and we want you to be informed before you meet with the dealer.

Member discounts—because we appreciate your business.

We give you rate discounts for banking with us. See above to find out how you can save up to 1% off our already competitive loan rates.

Huge savings on GAP insurance.

Another reason to get pre-approved and avoid dealer financing is GAP insurance. Did you know that dealers charge up to $800 for GAP insurance? Get the same coverage from OTCU for a fraction of that price!

Financing options that fit your life.

Should you lease or buy? Buy new or used? Should you take the manufacturer's rebate or get the 0% financing? Overwhelming, we know. We can help you answer all of these questions so all you have to do when you get to the dealership is shop…and take in that new car smell.

Got a not so great loan somewhere else?

After learning about our awesome auto loans, your current loan may start to feel like a not so good deal after all. Don't worry! Refinancing car and truck loans with OTCU is easy, and can be done any time, whether you got your car loan last week or a few years ago. Just apply online or call us at 1-800-896-1820 and we'll take care of paying the old one off in no time.

Simplify your life with Auto Pay.

Whether you set up your loan thru payroll transfer, bill pay, or direct deposit, automating your payment ensures you pay on time every time. That just makes your life easier. Plus, if you set up payment with your biweekly payroll, you save interest and your loan is paid off faster than making a monthly payment. On a typical five year auto loan paid biweekly, your loan will be paid off five months early! Now that is awesome!

Apply Now



Other Consumer Loans

Find a loan that suits your needs. OTCU offers flexible terms and competitive rates on financing for a variety of consumer loans; plus all decisions are made locally. OTCU's consumer loans are tailor-made for all types of financial needs. With our help, you choose the loan that is right for you.

Not a member yet?  Becoming a Credit Union member is quick and easy just stop in and we will take care of the rest. (Membership based on eligibility)

Personal

When you need extra cash OTCU can help!

  • Borrow up to $20,000 – (depending on income & credit score)
  • For up to 48 months
  • Rates as low as 6.39% APR
Line of Credit

Comes in handy when unexpected expenses occur

  • Up to $5,000
  • Low rate of 15.00% APR
  • Low monthly payments of $30.00 or 3% of limit
 
Savings/Certificate Secured

A share secured loan allows you to borrow against your savings at a lower interest rate, while earning interest on your savings balance. 2% APY dividend rate.

   
Other Miscellaneous Collateral

Want to finance something unusual? Give us a call. Rate and terms will depend on what you are financing.

  Apply Now



Loan Payment Calculator

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