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.


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First-Time Auto Buyer Loans

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Recreational Vehicle Loans

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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.

Have questions?

When you finance your vehicle with us you’ll enjoy the affordable rates, flexible terms, and hometown service that you deserve. Want to know more about our Auto Loans? Let’s start your auto buying journey today.

How can OTIS work for you?

If you live, work, worship, or attend school in Franklin County, Canton, Fayette, Hartford, Leeds, Livermore, Livermore Falls, Mount Vernon, Readfield, Turner, Vienna, or Wayne, you’re eligible to be part of OTIS FCU – and we’d love to have you join our community.