Dreaming of the perfect car for you? It’s time to make your dream a reality. We offer loans at great rates for both new and used vehicles. Enjoy flexible terms up to 9 years for new cars and 7 years for used, both with financing of up to 125%. Plus, we add conveniences to make your new life behind the wheel more enjoyable. We’ll let you skip up to two payments per year, or repay your entire loan at any time without penalty.
This calculator is for informative purposes only and the results ore not application results or quotes. Based on your credit history and repayment ability, you might not qualify for the loan term you selected, the amount provided by the calculator, and your loan might be denied.
*APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Available for the purchase of new and used vehicles up to 10-years old.
Used Vehicles
APR*
Term
Loan Amount
4.00% - 13.75%
Up to 5 years
Any, if approved
4.25% - 14.75%
Between 6 and 7 years
Over $35,000
*APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Available for the purchase of new and used vehicles up to 10-years old.
Auto Loan Specials
APR*
Term
2.49% - 9.49%
Up to 5 years
3.49% - 10.49%
Up to 6 years
*APR means annual percentage rate. This is a limited time offer. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3-years old.
Boats, Motorcycle and RVs
Type
APR*
Term
Loan Amount
New
5.25% - 15.25%
Up to 5 yeard
Any, when approved
Used
5.75% - 15.75%
Up to 5 years
Any, when approved
* APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
FAQs
Yes, this loan qualifies for our Skip-a-Payment program.
With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it's most convenient for you.
To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.
No, however we do offer lease buyout financing.
Not necessary. You may apply for a vehicle loan regardless of your citizenship or place of residence. The only condition must be that the car is in the U.S while being financed, and that you receive a salary from one of the organizations we have institutional agreement with (CAF, OAS, IICA, IADB, ICHR, CATIE). If you have further questions, please email us at: oasfculoans@oasfcu.org
Yes. you can make as many additional payments as you want without any fee or penalty for paying off the loan before the term.
As soon as your loan is paid in full, we will release the lien on the car title and will send it by mail. Once you receive the title, visit your local DMV to obtain a lien-free title and have OAS FCU’s lien removed from the state records.
We recommend that, since making those monthly payments are already part of your budget, that you set up the "automatic transfer” function to deposit those funds into your savings account and without having to worry about the monthly due date of the loan.
Yes, you remain liable for any taxes on the vehicle or your use of the vehicle.
Fees
Loan Fees
Processing vehicle titles
$50 + DMV cost
Skip-a-Payment
$5 each loan
Single debit origination to pay for a loan
No charge
Recurrent monthly debit origination to pay for loan
No charge
Auto Buying Service
Get a pre-negotiated price and a stress-free buying experience
Access thousands of public dealer and factory incentives to save you more money
Tell us what you’re looking for and we’ll show you how much others have paid for that car, so that you’ll always get a fair price.
Work with our pre-screened dealers to ensure a better car buying experience with a hassle-free deal
Access unlimited price and market reports, plus compare features, see pictures, read reviews, and check your trade-in value
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