Drive Smarter. Pay Less. Own More.
Refinance your auto loan to unlock lower payments, better rates, and flexible terms—all with zero hassle. Get your personalized offer in minutes because buying your vehicle should be exciting—not a source of regrets about high payments or poor terms.
You're eligible!
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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
Apply easily online through our secure portal via Online Banking or mobile app. Prefer in person? Visit any OAS FCU branch for personalized assistance. It’s fast, simple, and designed to get you savings quickly.
Your vehicle must meet age and condition standards, and your current loan should be eligible for refinance. We’ll review your credit, vehicle details, and loan terms to tailor the best offer for you. Need specifics? Our team is here to guide you with every step.
GAP policies vary. Before refinancing, review your existing GAP agreement or contact your provider to confirm if it continues or needs renewal. We recommend checking ahead so you stay fully protected.
Yes! If we can offer you a better rate or terms that save you money and fit your budget, refinancing your current OAS FCU loan is definitely an option.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.