Auto Loan Pre-Approval

Shop and negotiate with the confidence of a cash buyer!

Making a dream come true is as easy as writing a check! Shop and negotiate 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 and the amount for which 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!

Learn more about the advantages of Pre-Approved Loan Drafts here.

Ready to apply? 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 Loan OfficerExtension 128
Lindsay Loan OfficerExtension 103
Jasmine Loan OfficerExtension 105
Jamie Loan ManagerExtension 124

Please note: If you apply during non-business hours, we will contact you the next business day.

Auto Loan Rates

Cars, Trucks & SUVs

Rates effective 1/21/2022

Loan TermAnnual Percentage RateLoan Calculator
 1 year as low as 1.90% APR Calculate Your Payment
 2 years as low as 1.95% APR Calculate 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


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