Auto Refinancing Bonus
You can receive a bonus up to $600 when refinancing your vehicle with Orlando Credit Union. Visit the Auto Refinancing Bonus page to learn more and claim the bonus.
Orlando Credit Union Will Put You In the Driver's Seat
Whether you’re looking to buy a new or used car; refinance an auto loan; or purchase a boat, motorcycle or recreational vehicle, Orlando Credit Union offers low rates and flexible terms.
When You Finance a Car With Orlando Credit Union You Get...
- Competitive rates
- Financing up to 120% of your car's value
- Loan terms up to 84 months APR*
- 90-day no-payment option**
- Prequalify for a loan before you shop
- Optional GAP Insurance and Mechanical Repair Coverage
The Car Loan and Refinance Process Is Easy
Simply apply online or schedule an appointment at an Orlando Credit Union branch location near you.
Already Applied? Check Status
Local Heroes Auto Financing Program
At Orlando Credit Union, we’re proud to honor the heroes who serve our communities. Educators, medical professionals, first responders, law enforcement, military, and government employees receive 0.50% off†† our low auto loan rates. Rates as low as 4.85% APR* after discount.
Need a Loan for a Different Type of Vehicle?
Boat Loans, Recreational Vehicle (RV) Loans and Motorcycle Loans Are Available
Dreaming of hitting the open road or setting sail on new adventures? Flexible and competitive loans are available for RVs, motorcycles, and boats to make those dreams a reality. Whether it's a cross-country road trip, a weekend ride, or a relaxing day on the water, these loan options are designed to fit various budgets and lifestyles.
With an easy application process, attractive interest rates, and personalized service, financing the next big purchase becomes simple and stress-free. Start the journey today with RV, motorcycle, and boat loans!
Get a Car Loan and Get Rewarded
With our Rewards Points Program, you can earn 1 point per $1,000 in average daily loan balances every month for your qualifying loan.^ Use your accumulated points for cash back, gift cards, and much more.
Car Buying Made Easy
Follow Our Step-By-Step Guide
Buying a new or used car might seem complicated, but it doesn’t have to be. To simplify things, we’ve created a helpful step-by-step guide that walks you through the entire process, from creating a budget to receiving the keys.
Is Your Insurance Protection Enough?
GAP Insurance and Mechanical Breakdown Coverage Provide Peace of Mind
While your auto insurance can help with collision and liability costs, it may not cover everything in the event of a total loss. Guaranteed Asset Protection can help cover the difference.
And if your vehicle is beyond its factory warranty, Mechanical Breakdown Coverage can save you thousands of dollars in repair bills.
Let Us Shop For You
Auto Advisors Can Handle the Entire Process
Orlando Credit Union has teamed up with Auto Advisors and Enterprise to help you find the best vehicle for your budget. Auto Advisors will do all the shopping and negotiating for you at no cost. Experience a seamless, hassle-free purchase experience.
^Does not include credit cards, sold mortgages or business loans. Loans must be current to receive points for the month. Points will be forfeited if loan is not current, and points will not be reinstated.
*APR = Annual Percentage Rate. Individual rates are determined by credit score, credit history, promotional discounts and loan term. Additional 0.50% discount applicable to Local Heroes Auto Financing Program. Subject to credit union membership eligibility, credit approval and verification of information provided on the application. Vehicle must be titled and registered in the state of Florida.
** First payment will be due 90 days from loan origination. Interest will begin accruing as of the loan origination date, which will result in paying a higher total finance charge and will extend the loan term. Offer not available on existing Orlando Credit Union loans.
Payment examples: A vehicle loan of $20,000 at 5.35% APR for 36 months would result in payments of $603 per month. A vehicle loan of $20,000 at 4.85% APR for 36 months would result in payments of $598 per month. Cost does not include title, taxes, insurance premiums, or any other applicable costs.
Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.
† Financing and rates are based on creditworthiness. The amount of cash back is based on loan amount refinanced. Cash back of $600.00 for loan amount of $50,000 or more; $500.00 for loan amount of $40,000.00 or more; and $400 for loan amount of $30,000 and up; $300 for loan amount $20,000 and up. The cash back will be deposited into the members’ account 90 days after the loan origination date. Existing Orlando Credit Union vehicle loans or current loans financed through indirect lending partnerships are NOT ELIGIBLE for this offer. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. If you participate in this offer, you may receive Form 1099 MISC at year-end for tax purposes. Certain terms and restrictions apply. Applicants must qualify for membership. As a condition of membership, you must maintain at least $5 in your Ownership Share Account. Offer subject to change at any time.
†† Local Heroes Auto Financing Program Eligibility Criteria: Eligible members must qualify for the loan request based on the credit union’s underwriting guidelines. This program is not eligible for refinancing existing auto loans. This program may be discontinued at any time. Proof of eligibility required (e.g., ID, pay stub, or certification).
- Military: Active duty, reservists, veterans, and retired members of the Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard and National Guard.
- Law Enforcement: Uniformed officers, detectives, state police, highway patrol, sheriffs, air marshals, border patrol agents, crime scene investigators, corrections officers and federal law enforcement officers.
- First Responders: Includes public, private and volunteer firefighters, EMTs, and paramedics.
- Medical Professionals: Doctors, nurses (licensed practical, registered), medical technicians, hospital staff, physical therapists, dentists and dental assistants.
- Educators: Teachers, professors, and school administrators working in pre-kindergarten through university.
- Government Services: City, County, State, and Federal employees.