Auto Loans
Summer of $avings:
1% OFF Auto & Rec Vehicle Rates!
Now thru 8/3, finance your auto or rec vehicle loan with OTIS and enjoy 1% off our excellent rates!
Promotion runs from 7/13-8/3/2026. Offer subject to change at any time. Loan rate is determined by your personal creditworthiness. Min. loan amount = $5,000. Existing OTIS FCU loans do not qualify for this offer. Member eligibility required.
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.
Car shopping shouldn’t be stressful.
Find your next ride from the comfort of your couch with our free online auto marketplace.
Auto Loan Promotional Rates
Cars, Trucks, & SUVsRates effective 7/13/2026-8/3/2026
| Loan Term | Annual Percentage Rate |
|---|---|
| 1 year as low as | 3.15% APR |
| 2 years as low as | 3.20% APR |
| 3 years as low as | 3.25% APR |
| 4 years as low as | 3.65% APR |
| 5 years as low as | 3.95% APR |
| 6 years as low as | 4.30% APR |
| 7 years as low as | 4.85% APR |
