Pre-Approval

When you start your buying journey with Auto Loan Pre-Approval from OTIS, the hardest part of car shopping becomes finding your favorite – not the financing. With the purchasing power that comes with Pre-Approval, you can shop and negotiate with the confidence of a cash buyer. Your financial success is important to us, and our priority is to keep as much of your hard-earned money in your pocket as possible.

Getting pre-approved is easy – our decisions are almost always made the same business day, and you can even conveniently apply online from anywhere, and at any time. We’re here to offer you the low rates, flexible terms, payment protection options, and hometown service that you deserve.

Auto Loan Rates

Cars, Trucks & SUVs
Rates effective 1/21/2022
Loan TermAnnual Percentage RateLoan Calculator
1 year as low as 1.90% APRCalculate Your Payment
2 years as low as1.95% APRCalculate Your Payment
3 years as low as2.00% APRCalculate Your Payment
4 years as low as2.40% APRCalculate Your Payment
5 years as low as2.70% APRCalculate Your Payment
6 years as low as3.00% APRCalculate Your Payment

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.