Used Auto Loans

OTIS Used Auto Loans put you in the driver's seat. Destination? Major savings!

Used Auto Loans


You may finance up to 100% of the NADA retail value of a used car, truck, SUV, van or motorcycle, including tax, license, and title. Add 3% to interest rate for vehicles with over 100,000 miles. Loan terms and interest rates vary depending on credit score.

Apply online 24/7, 365 days a year!  One of our loan officers will review your request and promptly contact you. You may also stop in or call one of our loan officers Monday through Friday at 897-0900 for more information.

 Karris RichardsLoan OfficerExtension 128
Jamie TurcotteLoan OfficerExtension 124
Pam BuoteLoan OfficerExtension 108
Darice DubreuilVP of LendingExtension 118

Please note: If you apply during non-business hours, we will contact you the next business day.


Already have an auto loan?

Refinancing loans from dealerships or other financial institutions is hassle-free and available at no extra cost at OTIS. Start saving today!

Auto Loan Rates

Cars, Trucks & SUVs

Loan Term Annual Percentage Rate Loan Calculator
 1 year as low as  2.00% APR  Calculate Your Payment
 2 years as low as  2.05% APR  Calculate Your Payment
3 years as low as 2.10% APR Calculate Your Payment
4 years as low as 2.50% APR Calculate Your Payment
5 years as low as 2.80% APR Calculate Your Payment
6 years as low as 3.10% APR Calculate Your Payment

Apply for a Loan

Apply 24 /7, 365 days a year!

Buying a car?

The AskAuto™ app can help.

“My go-to bank for auto loans. Love how friendly everyone is.”

-Amber J., OTIS Member