Auto Loans
Washington’s Birthday Auto Loan Special!
Affordable financing is always a reason to celebrate! Finance your auto loan with OTIS and experience rates as low as 4.25% APR* for 60 months!
*APR = Annual Percentage Rate. Promotion effective February 9-February 27, 2026. Promotional rate advertised is for a 60-month term at 4.25% APR for a credit score of 730 or higher. Offer is subject to change without notice. Loan rate is determined by your personal creditworthiness. Credit approval required. Minimum loan amount is $5,000. Existing OTIS FCU loans do not qualify for this offer. Member eligibility required. Federally Insured by NCUA. Equal Housing Lender.
Financing that puts you in the driver’s seat, for less.
Whether you’re looking to buy a new or used vehicle, or want to refinance an existing Auto Loan, we can make the process quick, easy, and most of all, affordable. Learn more about New and Used Auto Loans, Pre-Approval, Refinancing, First Time Auto Buyer Loans, and Recreational Vehicle Loans here, and conveniently apply online today.
Finance your next vehicle with OTIS!
- Enjoy budget-friendly borrowing with no money down.
- We offer 100% financing of the cost of a new car, truck, SUV, van, or motorcycle including tax, license, and title. Terms up to 84 months on new vehicles and 72 months on used vehicles are available.
- Start your auto buying journey on your time with our convenient online loan application.
- Buy with confidence with free CARFAX reports.
- Get a quick decision.
- In most cases, our approval decision is made the same day you apply.
