Auto Loans

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.

Shop for your next car the easy way right from the comfort of your own home! Our specially designed online service is just for Credit Union members. Find out how much you can borrow and what your new monthly payment will be - BEFORE you even start shopping. Apply NOW online for a loan or check out our loan rates! We also offer hassle-free auto buying, 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 vehicles with salvage titles, 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.

Motorcycle, RV, and Boat Loans
Fixed rate loans for the purchase of new or used:

  • Motorcycle
  • Recreational Vehicles
  • Boat/Watercraft

Members are encouraged to get pre-approved for an OMSEFCU loan before shopping.

Apply Now View Rates

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

Mechanical Repair Coverage
Very similar to a dealer's 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 dealers 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.

Call us for more information: (909) 983-1959, option 2.

Credit Builder Auto Loans
At OMSEFCU, we have loans to fit your budget, no matter your situation.

Loan rates built to fit your situation.
Not everyone is in the same situation. We understand. That’s why we invite you to come and talk to us. Our loan rates offer flexible options to fit your unique situation.

Auto loans that build your credit.
We understand how difficult having a not-so-perfect credit score can be. That’s why our auto loans are not just built to help you get a vehicle, but are also built to help improve your credit, aiding you in reaching a new and much-improved future credit score.

More about our auto loans:

  • All loans are subject to approval
  • Available for new and used vehicles
  • Up to 100% financing available on new
  • 130% of high Blue Book on used vehicles 10 years old or newer