Auto Loan
If you're ready to buy a new or used vehicle, we're ready to get you the auto loan you need. With OE Federal and AutoSMART, you can research your options, select an affordable auto loan and find the perfect car for where you're headed.
- Competitive rates
- Reasonable payments
- Pre-approval available
- New and used vehicles
- AutoSMART program to guide you through the process
New Vehicles (¥)
MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
0-48 months (2) | 2.24% to 14.49% |
49-60 months (4) | 2.74% to 15.24% |
61-72 months (5) | 2.99% to 15.74% |
73-84 months (6) | 3.24% to 16.24% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Vehicles (¥)
MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
0-48 months (2) | 2.24% to 14.49% |
49-60 months (4) | 2.74% to 15.24% |
61-72 months (5) | 2.99% to 15.74% |
73-84 months (6) | 3.24% to 16.24% |
LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Related Products and Services
Boat, RV, Personal Watercraft Loans
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Learn MoreNew Vehicles (¥)
MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
0-48 months (2) | 2.24% to 14.49% |
49-60 months (4) | 2.74% to 15.24% |
61-72 months (5) | 2.99% to 15.74% |
73-84 months (6) | 3.24% to 16.24% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Vehicles (¥)
MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
0-48 months (2) | 2.24% to 14.49% |
49-60 months (4) | 2.74% to 15.24% |
61-72 months (5) | 2.99% to 15.74% |
73-84 months (6) | 3.24% to 16.24% |
LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Frequently Asked Questions
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What counts as a new vehicle under your loan program?
We considered a new vehicle to be either the current or previous year’s model with a max of 7500 miles on it.
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What counts as a used vehicle under your loan program?
Any vehicle ten years or newer only. (200,000 miles or more for a 60 month term)
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How do I apply for a loan?
There are four easy ways to apply for your auto loan:
1. Complete an online OE Federal loan application.
2. Complete an online application through the AutoSMART program.
3. Call us directly at (800)-877-4444.
4. Come into any OE Federal branch and fill out an application in person.
These same steps could also get you pre-approved for a loan.
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What is the rate and payment?
Our Auto Rates are currently as low as 2.24% – Here is the current example, as of June 2017.
NEW VEHICLES(¥) LOAN TYPE MAXIMUM AMOUNT MAXIMUM TERM ANNUAL PERCENTAGE RATE Current or prior calendar year with less than 7,500 miles. Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available). Not to exceed documented purchase price. Includes sales tax, license fee and GAP. 0-48 months (2) 2.24% to 14.49% 49-60 months (4) 2.74% to 15.24% 61-72 months (5) 2.99% to 15.74% 73-84 months (6) 3.24% to 16.24% Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months (¥) Lowest rate reflects a 0.500% discount for 20% down payment.
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How can I locate a specific vehicle?
With AutoSMART, you can research any new or used vehicle online. If you get stuck, hop on a call with one of their real, live Auto Advisors who can guide you through the process from start to finish.