Great Rates for Wherever the Road Takes You
Whether you're purchasing new or used, or you prefer to refinance to our lower rates, pack on the perks and hit the open road with an auto loan through OHecu.
Plus, with our flexible payment terms and easy online pre-approvals—we make it easier for you to love your ride and your interest rate.
- Rates as low as 4.96% APR*
- No down payment options
- 24/7 account access with Online or Mobile Banking
- Affordable GAP Coverage and Credit Life & Credit Disability Insurance
To apply, call the Member Service Center at 800-552-6328 or click below to get started.
* Payment of $475.72 on a $30,000 loan amount for 72 months with an interest rate of 4.74% (Annual Percentage Rate 4.96%). The rate of 4.74% (Annual Percentage Rate 4.96%) is the best rate available only to OHecu member with Tier A+ credit, on a 2022 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.
What would my auto payments be?
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.
Auto Loan Refinancing
Love your car but not your interest rate? 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 loan as much as your car.
- Rates as low as low 4.96% APR*
- Flexible payment terms
- 24/7 account access with Online or Mobile Banking
- Affordable GAP Coverage and Credit Life & Credit Disability Insurance
To apply, call the Member Service Center at 800-552-6328 or click below to get started.
* Payment of $475.72 on a $30,000 loan amount for 72 months with an interest rate of 4.74% (Annual Percentage Rate 4.96%). The rate of 4.74% (Annual Percentage Rate 4.96%) is the best rate available only to OHecu member with Tier A+ credit, on a 2021 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.
How much can I lower my monthly payment with a new auto loan?
Knowing when the time is right to refinance your car loan can sometimes be confusing. Refinancing your car loan is a major financial decision, so it's important to know all of your options before making a final determination.
Use our auto refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.
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.* To apply, call the Member Service Center at 800-552-6328 or click below to get started.
*Subject to OHecu underwriting guidelines. Proof of graduation from an accredited college or letter from college confirming graduation due within three months of loan closing. Current pay stub or Offer of Employment letter stating income and a starting date due within sixty days of loan closing.
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.
