This summer, don’t settle for less. Hit the road in your dream vehicle with an OAS FCU Auto Loan. With rates that make sense and perks you won’t find anywhere else—like skipping up to two payments a year—getting behind the wheel has never been easier.
Whether you’re looking for a new car, a reliable used vehicle, or even an RV, motorcycle, or boat for your adventures, OAS FCU is here to help make it happen. With competitive rates, flexible terms, and unique perks like skipping payments, we’ve got the keys to your next ride.
Low rates, fixed or variable, to keep your payments manageable. 1
Flexible terms: up to 9 years for new cars, 7 years for used ones. 1
Financing up to 125% of your car’s value—yes, even taxes and fees are covered. 2
Skip two payments a year—because life happens. 3
Save on hybrids and EVs with exclusive discounts. 4
Flexible payment options: Manage your loan easily with our Online Banking or Loan Payment Portal
1. Apply online in minutes—quick, hassle-free approvals.
2. Get personalized financing options that fit your budget.
3. Drive off in your dream car—fast.
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Sample payment: For a loan of $1,000 at 6.75% interest for 36 months, the monthly payment would be approximately $30.77.
Used Vehicle Loan – Variable Rate
APR*
Term
Loan Amount
5.25% - 15.25%
Up to 5 years
Any, if approved
5.75% - 16.25%
Between 6 and 7 years
Over $35,000
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Sample payment: For a loan of $1,000 at 7.25% interest for 36 months, the monthly payment would be approximately $31.00.
Boats, Motorcycle and RVs – Variable Rate
Type
APR*
Term
Loan Amount
New
6.75% - 16.75%
Up to 5 years
Any, when approved
Used
7.25% - 17.25%
Up to 5 years
Any, when approved
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Sample payment for New: For a loan of $1,000 at 8.75% interest for 36 months, the monthly payment would be approximately $31.69.
FAQs
Yes, this loan qualifies for our Skip-a-Payment program.
With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it's most convenient for you.
To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.
Please note: Skipping payments does not defer interest. Interest will continue to accrue on the outstanding principal balance during the skipped payment period, which may result in higher total finance charges. Loan maturity dates may also be extended. Other terms and conditions may apply.
No, however we do offer lease buyout financing.
Not necessary. You may apply for a vehicle loan regardless of your citizenship or place of residence. The only condition must be that the car is in the U.S while being financed, and that you receive a salary from one of the organizations we have institutional agreement with (CAF, OAS, IICA, IADB, ICHR, CATIE). If you have further questions, please email us at: [email protected]
Yes. you can make as many additional payments as you want without any fee or penalty for paying off the loan before the term.
As soon as your loan is paid in full, we will release the lien on the car title and will send it by mail. Once you receive the title, visit your local DMV to obtain a lien-free title and have OAS FCU’s lien removed from the state records.
We recommend that, since making those monthly payments are already part of your budget, that you set up the "automatic transfer” function to deposit those funds into your savings account and without having to worry about the monthly due date of the loan.
Yes, you remain liable for any taxes on the vehicle or your use of the vehicle.
Fees
Loan Fees
Processing vehicle titles
$50 + DMV cost
Skip-a-Payment
$5 each loan
GAP Insurance fee
One time fee of $450
Single debit origination to pay for a loan
No charge
Recurrent monthly debit origination to pay for loan
No charge
Late fee for consumer loans
4% of the monthly payment after 30 days past due
Late fee for HELOCs
4% of the monthly payment after 10 days past due
Late fee for mortgages
5% of the monthly payment after 15 days past due
Leaving Our Website
You are leaving OAS FCU’s website and linking to an alternate website not operated by the credit union. OAS FCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. The privacy practices of the alternate site may differ from those practiced by the credit union. You should review the privacy policy of any site before providing any information.
Privacy & Security Advisory:
Email is not encrypted and should not be used to send sensitive personal or financial information. For your security, do not include Social Security Numbers, account numbers, or other confidential details in your email. Instead, please contact us through our secure member portal or by phone.