Skip nav to main content. Contact & Locations English Mobile App Login Search Menu Vehicle Loan Find a vehicle you'll love The right car at the right price Apply Now Available in these Regions GET IN TOUCH Available Competitive rates and flexible terms Dreaming of the perfect car for you? It’s time to make your dream a reality. We offer loans at great rates for both new and used vehicles. Enjoy flexible terms up to 9 years for new cars and 7 years for used, both with financing of up to 125%. Plus, we add conveniences to make your new life behind the wheel more enjoyable. We’ll let you skip up to two payments per year, or repay your entire loan at any time without penalty. Save more cash with competitive rates and two skippable payments1 Enjoy terms of up to 9 years for new cars, and 7 years for used2 Avoid extra interest—no prepayment penalties Up to 125% financing for qualified borrowers3 Fast and easy approval process to save your time Rate discount for hybrid and electric cars4 Payment Calculator Afford Calculator Monthly Payment $184.17/mo Loan Amount $ Choose Your Rate (APR) % Choose Your Loan Term 36 Months 48 Months 60 Months 72 Months 84 Months 96 Months Apply Now Disclosures Rates Questions Fees Buying a car in 6 steps The right car at the right price Learn more Related Resources Vehicle Refinance If you’re not satisfied with your current vehicle loan, come to us! Learn More Auto Equity Loan Borrow up to 100% of your car’s equity! Learn More TrueCar TrueCar is the smart and transparent way to find the vehicle you are looking for at the right price Learn More GAP Insurance GAP Insurance protects you in the event that your vehicle is damaged beyond repair or if it is stolen and not recovered. This insurance covers the difference between the market value of the vehicle (according to the Kelley Blue Book) and the loan balance. Learn More Disclosures Contact About Routing Number Accessibility Privacy Notice Equal Housing Lender NMLS #417490 © 2018 OAS Federal Credit Union All Rights Reserved © 2021 OAS Federal Credit Union All Rights Reserved Follow on Facebook Follow us on Twitter Accessibility