Find the Vehicle You’ll Love — And the Loan That Loves You Back.
Flexible terms that move as your life changes—because your journey doesn’t stop for a loan. Rates that respect your path and no hidden fees—just a smooth ride toward your dream vehicle.
You're eligible!
Log in to save time with pre-filled info and speed up your application
Need to enroll in online banking?
Answer a few quick questions to get the enrollment process started!
How to Apply
- Login to your Online Banking
- Under the ‘Loans’ tab, select ‘Vehicle Loan’ or 'Personal Loan'
- Follow the steps fill out the form and select "Vehicle Loan" when prompted
Frequently Asked Questions
You can apply online through our secure portal via Online Banking or our mobile app. Prefer face-to-face? Visit one of our branches for personalized assistance.
You’ll typically need proof of income, a valid ID, and vehicle details if you know them.
No. You don’t need U.S. citizenship or residency. You only need the vehicle to be located in the U.S., and to receive your salary at OAS FCU from one of our partner organizations (CAF, OAS, IICA, IADB, ICHR, CATIE).
The amount depends on your credit profile, income, debt-to-income ratio, and overall ability to repay. Our team will work with you to find a loan that fits your financial picture.
Absolutely. Depending on your creditworthiness and ability to repay, you can include taxes, fees, and other related costs for new vehicles in your loan amount.
Yes! Add GAP, Debt Protection, or Mechanical Repair coverage for peace of mind every mile.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.