New Auto Loans

Take OTIS along for the ride, and get behind the wheel of the new car of your dreams with our low rates!

New Auto Loans


You may finance up to 100% of the cost of a new car, truck, SUV, van or motorcycle, including tax, license, and title. 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.

 Kariss Richards Loan Officer Extension 128
Jamie Turcotte Loan Officer Extension 124
Pam Buote Loan Officer Extension 108
Darice Dubreuil VP of Lending Extension 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!

Go shopping with a pre-approved check!

Making a dream come true is as easy as writing a check! Shop just like a cash buyer with the convenience of an OTIS Pre-Approved Loan Draft. Either apply in person, or fill out our online loan application noting that you are seeking pre-approval. One of our loan officers will promptly get back to you with a decision--it's as easy as that!

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.

"With the help of OTIS FCU, I was able to refinance two vehicle loans this year! For the second refinance, I was able to work with the loan department via email and through the U.S. Post to get all of the proper paperwork submitted. This meant that I did not have to take time off from work to get the refinance completed! 

-Renee L., OTIS Member