Car Loans


Imagine pulling into your driveway with your brand new vehicle still shining from the dealership.  The pride you feel in owning this vehicle, knowing it will get you to and from work, accompany you on road trips cross country, or safely get your family to your child’s weekend soccer games.

We have car loans that can help you buy that car, truck, or SUV you have your eye on.  We’ll help you through the car buying process whether you’re buying from a dealership or from a private party.  Our lenders understand the process and are ready to serve you!  Give us a call or email us no matter where you are in the process, and our lenders will help you close the deal and make your dreams a reality.

Are you researching a vehicle to purchase? You can derive a value for your vehicle either from the purchase contract provided by the dealership or from using an independent company, such as NADA. This will help you determine if you're paying too much for a particular vehicle or getting a deal.
You'll also want to consider the impact on your auto insurance policy by providing the vehicle’s VIN (vehicle identification number) to your insurance agent to quote you on coverage costs. You may also want to consider a vehicle history report to determine if the vehicle had any previous issues or was involved in any accidents the current seller is unaware of or unwilling to disclose.
When purchasing from a dealership, you may be offered the option to purchase a service contract and/or GAP coverage. Service contracts can cover certain repairs or services for your new vehicle, while GAP, or Guaranteed Asset Protection, insurance may protect you as a borrower if the loan balance is greater than the value of the vehicle in the event of a total loss to the vehicle. In certain instances, the price of a service contract or GAP insurance may be lower if you purchase from us instead of from the dealership. If you borrow from the credit union for your next purchase, check with us to see if our pricing is better! Our GAP Plus program is available whenever you take out an auto loan from us, and our mechanical repair coverage is available even if your vehicle is paid in full.
We also provide coverage to assist with payments on your loan in the event you become disabled, unemployed, or pass away. With our debt protection coverage, a premium based on your balance is added on each month to your loan, and if something happens to you, whether it's a loss of your job, or a borrower on the loan passes away, the debt protection will kick in to assist you with your payments. In the event of life coverage, the remaining balance of your loan will be paid in full. It's a good protection should the unforeseen happen to any borrowers on the loan.
Absolutely! Whether your car loan is with another lender, your vehicle is worth more than what you owe, or you own your vehicle without a loan, you may be able to borrow against the equity in your vehicle to pay for other outstanding loans and bills, like credit cards or hospital bills for example, and in many cases, the rate on your potential car loan is lower than the current rate you're paying.
The rate on your vehicle loan depends on the age of the vehicle, how many months you want to take the loan out for, your credit score, and your loan amount relative to the value of your vehicle. You can check out the current rates here, or to get a more personalized rate quote based on your situation, please contact Charlie or Paige in our lending department.
We have several methods for you to apply for a loan with us. You can apply online by clicking here or by logging onto Oasis and submitting an application through the Apply Online link.  You can also call or stop in and speak to Charlie or Paige in our loan department.  Even if you only have questions about the car buying process or what we'd need from you for a loan, we welcome the opportunity to meet with you to answer all your questions.