You'll be able to shop with confidence when you apply for an OMSEFCU auto loan before you begin your search for the perfect car. We offer fixed-rate loans for the purchase of new or used automobiles and light-duty trucks.

Know how much you can borrow and what your new monthly payment will be - before you step onto the dealer's lot. Apply NOW online for a loan or check out our loan rates! We also offer hassle-free auto buying and mechanical repair coverage and gap protection for our members.

New Autos: OMSEFCU will finance up to 100% of the purchase price of a new car, truck, van or utility vehicles including tax, license and mechanical repair coverage, and gap protection on approved credit.

Used Autos: OMSEFCU will finance up to 100% of the Retail Kelley Blue Book Value (High Blue Book) on vehicles up to 10 years old, excluding "Salvage Vehicles," and "out of state vehicles,"on approved credit.

Use our convenient loan calculator to determine how much you can afford.

APR and Terms:
New and used vehicles are charged the same rate of interest. The Annual Percentage Rate (APR) is based on the financing term you choose, and your personal credit history. Refer to our rate sheet for the range of current loan rates.

Maximum financing terms are 60 months (5 years) on loans up to $20,000, 72 months (6 years) on loans $20,000 or over and 84 months (7 years) on loans of $30,000 or more.

We also have other great auto services. Take a look:

Hassle-Free Auto Buying
Want help shopping for the best deal? We can make your car-buying experience as easy as a phone call! You can purchase a new or used vehicle through Dick Martin Sales & Leasing. Click here for more details on this great service!

Mechanical Repair Coverage
Very similar to a dealerís extended warranty for new and late-model used autos, but the cost is usually substantially less. In addition, in most cases, the Mechanical Repair Coverage offers more coverage.

GAP Protection
Very similar to what dealer's offer our members. Gap protection covers the difference between the sale price of your new car and its depreciated value. This added protection makes up for what your regular insurance policy won't cover. If you were to have an accident or lose your car to theft.