Refinancing is the simple solution for reducing your monthly payment and interest rate. If you’re not satisfied with your current vehicle loan, come to us. Often, we can get you a much better interest rate and payment. We offer flexible terms, so you can pay off your loan whenever you’re ready. If you’re in need of extra cash, you can also borrow up to 125%1 of your vehicle’s current value.
Want to pay off your loan faster? OAS FCU doesn’t charge additional or early payment fees.
Borrow up to 125% 1 of the value in your car
Enjoy competitive interest rates
Save more with low monthly payments
Choose a term that’s right for you, up to 7 years 2
This calculator is for informative purposes only and the results ore not application results or quotes. Based on your credit history and repayment ability, you might not qualify for the loan term you selected, the amount provided by the calculator, and your loan might be denied.
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Vehicle Loan Special – Fixed Rate, for New and Used Vehicles
APR*
Term
Type of vehicle
7.99% - 15.99%
Up to 5 years
New & Used (3 Years Old - 2022 or newer)
7.74% - 15.74%
Up to 5 years
New & Used (3 Years Old - 2022 or newer) Hybrid/Electric cars only
This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3 years old.
*APR means annual percentage rate. This is a limited time offer. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Boats, Motorcycle and RVs – Variable Rate
Type
APR*
Term
Loan Amount
New
8.50% - 18.00%
Up to 5 years
Any, when approved
Used
9% - 18.00%
Up to 5 years
Any, when approved
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
FAQs
Yes, this loan qualifies for our Skip-a-Payment program.
With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it's most convenient for you.
To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.
In order to refinance your current auto loan, OAS needs the following information:
Vehicle make and model (e.g. Make: Honda ; Model: Civic)
Vehicle year
Vehicle mileage
Vehicle Identification Number (VIN)
Name of current lender
The loan account number
When you refinance your auto loan, you replace your existing auto loan with a new loan from a different lender that offers better interest rates and flexible repayment terms. With easier repayment options, you can save money each month and pay off your loan quickly.
Fees
Loan Fees
Processing vehicle titles
$50 + DMV cost
Skip-a-Payment
$5 each loan
Single debit origination to pay for a loan
No charge
Recurrent monthly debit origination to pay for loan
No charge
Late fee for consumer loans
4% of the monthly payment after 30 days past due
Late fee for HELOCs
4% of the monthly payment after 10 days past due
Late fee for mortgages
5% of the monthly payment after 15 days past due
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