Fast, fun or practical: we can help get you rolling!

New ride or refi, all roads lead to OHecu with rates as low as 2.96% APR*.

With low interest rates, flexible payment terms, and easy online pre-approvals -- we make it easier for you to hit the open road and upgrade your ride or your interest rate.

Get pre-qualified before shopping for your next vehicle! With our new rates now as low as 2.96% APR*, now is the perfect time to finance your next vehicle through OHecu. 

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* Payment of $455.27 on a $30,000 loan amount for 72 months with an interest rate of 2.74% (Annual Percentage Rate 2.96%). The rate of 2.74% (Annual Percentage Rate 2.96%) is the best rate available only to OHecu member with Tier A+ credit, on a 2020 and newer model, no down payment on the purchase, with automated payment from an OHecu account and first payment due in 30 days. If for any reason the automated payment from an OHecu account is terminated either voluntarily or by OHecu due to any account abuse, the interest rate on the loan will increase by 0.25% for the remainder of the loan, the monthly payment will remain the same and the term of the loan will automatically extend. Rates subject to change without notice. All loans subject to approved credit. Other competitive rates and terms available.  

Love your car but not your current auto loan? Now is the perfect time to move your auto loan from your current bank or credit union to OHecu.

With low rates, flexible payment terms and an easy online application process, we make it easy for you to love your auto loan as much as your car.

Apply Now

* Payment of $455.27 on a $30,000 loan amount for 72 months with an interest rate of 2.74% (Annual Percentage Rate 2.96%). The rate of 2.74% (Annual Percentage Rate 2.96%) is the best rate available only to OHecu member with Tier A+ credit, on a 2020 and newer model, no down payment on the purchase, with automated payment from an OHecu account and first payment due in 30 days. If for any reason the automated payment from an OHecu account is terminated either voluntarily or by OHecu due to any account abuse, the interest rate on the loan will increase by 0.25% for the remainder of the loan, the monthly payment will remain the same and the term of the loan will automatically extend. Rates subject to change without notice. All loans subject to approved credit. Other competitive rates and terms available.  

College Graduate Program

Recent college graduate? OHecu has an auto loan program designed to help you purchase a vehicle at a reasonable interest rate with little or no credit history.* Apply below and provide the following documents to get started:

  • Proof of graduation from an accredited college or letter from college confirming graduation within three months of loan closing.
  • Current pay stub or Offer of Employment letter stating income and a starting date within 60 days of loan closing.

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*Subject to OHecu underwriting guidelines.

Auto Leasing

Not looking to buy? No problem! We also have a lease program through a group of eligible dealerships.

Click here to see the full list of eligible car dealerships who participate in our lease program.