HOLIDAY CLOSING: Our offices will be closed on Monday, May 27th in observance of Memorial Day.
BRANCH CLOSURE NOTICE: Orlando Credit Union's Sheriff's Office Branch is temporarily closed due to onsite building enhancements from April 29th, 2024, to June 30th, 2024. (The exterior ATM is still accessible and you can visit other branch locations)
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Vehicle Loans

Find a great rate for your new ride.

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Vehicle Loan or Refinance

Whether it's new or new-to-you, finance your car, motorcycle, boat or recreational vehicle with us. If you are unhappy with your current loan, we also offer vehicle refinancing.

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car
  • Competitive rates.
  • Finance up to 125% of your vehicle's value.
  • Loan terms up to 84 months APR*.
  • 90 day no payment option**
  • Pre-qualify for your loan before you shop.
  • Optional GAP and Mechanical Repair Coverage.

With our Rewards points program, you can earn 1 point per $1,000 in average daily loan balances for qualifying loan's each month.^

Already applied?  Check Status


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To apply in-person for a new vehicle loan, schedule an in-branch appointment.

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The Car-Buying Process

Looking to buy a new or new-to-you car, but feeling lost on what steps to take? It can be exciting to dream about your new ride, but the realities of car buying can also be a bit daunting. Luckily, you don't have to go it alone! We’re here to help. 

View a step-by-step process on how to buy a car with Orlando Credit Union’s guide to the car-buying process. This guide will help you navigate the car buying process on cruise control.

Ready to start?

learn more

 

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Car-Buying Made Easy

Is your dream car proving hard to find?

We’ve partnered with Auto Advisors and Enterprise to help make car-buying simple and affordable. Let Auto Advisors find the ideal vehicle for you with your budget or experience a seamless purchase experience with financing options to fit your needs at Enterprise.


Vehicle Loan Rates (model year 2020 and newer)

36 Months

As Low As

6.74% APR*

Calculate Loan Payment

60 Months

As Low As

7.04% APR*

Calculate Loan Payment

84 Months

As Low As

7.74% APR*

Calculate Loan Payment

 

Vehicle Loan Rates (model year 2019 and older)

36 Months

As Low As

7.74% APR*

Calculate Loan Payment

 

60 Months

As Low As

8.04% APR*

Calculate Loan Payment

 

72 Months

As Low As

8.24% APR*

Calculate Loan Payment

 

view loan rates

 

^Does not include credit cards, sold mortgages or business loans. Loans must be current to receive points for the month. Points will be forfeited if loan is not current, and points will not be reinstated.

*APR = Annual Percentage Rate. Individual rates are determined by credit score, credit history and loan term. Subject to credit union membership eligibility, credit approval and verification of information provided on the application. Vehicle must be titled and registered in the state of Florida.

** First payment will be due 90 days from loan origination. Interest will begin accruing as of the loan origination date, which will result in paying a higher total finance charge and will extend the loan term. Offer not available on existing Orlando Credit Union loans.

Payment example: A vehicle loan of $20,000 for 60 months at 2.79% will have a monthly payment of $357.31. Cost does not include title, taxes, insurance premiums, or any other applicable costs.

Other terms and conditions may apply.  Terms and conditions are subject to change at any time without notice.

 

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

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