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Auto Loan Refinancing
Lower your monthly payment. Get paid for it.
High monthly payments are a problem. We’re here to help. Refinance your current loan with a lower rate at orsa, and we’ll cover your first payment up to $500!† Not all will qualify.
Auto Loan Details
New & used auto loans
With low, affordable rates and flexible terms, it’s easy to find financing that fits—and you can count on fast processing, 0% down options, and zero application fees to get you on the road in no time.
Start Here
More than just loans, we’ve got your back.
Giving you the tools, info, and support you need to help make the entire ride a smooth one.
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Find the local new or used vehicle you’re looking for through our auto shopping portal!
And More!
Auto Loan Rates
Date Updated Nov 6, 2026
New |
|---|
APR* as low as |
Term |
Used |
APR* as low as |
Term |
Classic, Collectible & Special Interest Autos |
APR* as low as |
Term |
Terms available for 84 months and longer, call to get a personalized quote.
*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 5.79% APR, the monthly payment would be $289.21. An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.
Ownership Peace Of Mind
Keep that new car smile going for miles to come
Add Gap Insurance and Mechanical Repair Coverage to make sure every drive is as happy as the last.
Payment Center
Managing your loan
Easy 24/7 online access to your loan… and more!
Payment Portal
Pay online on 24/7. (Remember to setup auto pay to unlock a .25% rate discount!)
Skip-A-Pay
Need a break? Eligible loans can skip up to two payments a year, so you can use that cash for something else!
Auto Loan Resources
Auto buying tips
Explore helpful tips, tools, and expert advice to make smart decisions when buying, financing, and protecting your vehicle.
Guide
How to Trade in a Car with a Loan
You can trade in a car you still owe money on, but it can make your next purchase a little more complicated. Learn how your payoff amount, trade-in value and equity can affect your next car purchase.
Guide
A Car Buyer's Guide to Dealer Add-Ons
Dealer add-ons can quickly change the price of a car and the amount you end up financing. Before you start signing, here’s what to know about some of the extras you may be offered and the questions to ask before you say yes.
Guide
Benefits of a Preapproved Car Loan
Getting preapproved before you start car shopping helps you understand what you can afford, set a realistic price range and head into the car-buying process with more confidence. So, before you start scrolling through listings and walking deal lots, start with your financing.
Frequently Asked Questions
Auto Loan FAQ
Have questions about applying, payments, or qualifications? Find quick answers to our most common loan-related questions right here.
You can apply online, over the phone, or at any of our branch locations. The process is quick and easy, and we’re here to help.
Typically, new vehicles receive lower interest rates than used ones. See our Rates page for current offers.
Many borrowers qualify for 0% down loans. Your credit and the vehicle’s value may affect this.
Most members are approved within one business day—often sooner.
How much can we save you on your next vehicle?
Apply for your auto loan now and get pre-approved fast, with no application fees or impact on your credit score!
† This promotion is subject to credit approval and underwriting guidelines. Refinancing loans must originate from sources other than orsa credit union. Promotional period runs October 1, 2026, through December 31, 2026. Applications must be received by 11:59 PM eastern on December 31, 2026. Upon loan funding, orsa credit union will deposit an amount equal to the member's first monthly payment—not to exceed $500—into the member's Basic Savings account within seven business days. The promotional deposit constitutes taxable income and will be reported on IRS Form 1099-INT. Members are responsible for reporting this income on applicable tax returns. This promotion cannot be combined with other offers that modify loan terms. There is no limit to the number of qualifying refinances per member during the promotional period. Each loan must meet all Credit Union underwriting requirements. orsa credit union reserves the right to modify, suspend, or terminate this promotion at any time without notice. All loan terms will be disclosed in accordance with Truth in Lending Act requirements. Membership eligibility required.