Online Banking
Auto Loans That Work As Hard As You Do
From job site to weekend getaway, you count on your car every day - so count on us to help you get it. At OE Federal, we offer auto loans that work for real life, with competitive rates, no hidden fees, and flexible terms that fit your budget. Whether you're buying new, used, or refinancing, we've got your back - because you're more than just a credit score to us.
Benefits/Features
Flexible Terms
Choose the term that fits your budget. We offer terms from 36-84 months.
New or Used
Whether you're looking for new or just new-to-you, we've got the loan for you!
CUDL Partner
If you head to a dealership participating in CUDL, make sure to ask about OE Federal.
Easy Refinancing
Got the car but hate the rate? You can easily refinance your current loan with OE Federal!
AutoSMART
With a tool like AutoSMART, shopping for the perfect vehicle is easier than ever.
Pre-Approvals
Head to the dealers with confidence knowing that you've got a pre-approval in hand.
No Penalties
We don't penalize you for being an overachiever. We'll never charge you for paying off your loan early.
Private Purchase
We go beyond the lot and offer lending for private party purchases.
Highlighted Auto Rates
AutoSMART
Ready to find your next vehicle?
With AutoSMART, you can browse cars, trucks and SUVs from some of your local dealerships that work directly with credit unions like OE Federal. It's a stress-free way to search, compare, and even get pre-approved - all in one place!
- Shop Local Inventory - See vehicles available now at dealerships near you.
- Credit Union Friendly - Shows dealerships that accept financing through CUDL.
- Get Pre-Approved - Apply for your loan before you step foot on a lot.
- Search with Confidence - Filter by price, make, model, mileage, and more.
- Save Time at the Dealership - Walk in with financing already squared away.
Guaranteed Asset Protection (GAP)
Protect Your Wallet
If your car is ever totaled or stolen, your insurance might not cover the full amount you still owe. That's where Guaranteed Asset Protection (GAP) steps in - it helps cover the "gap" between what your insurance pays and what's left on your loan. It's a smart way to protect your investment and your peace of mind.
- Covers the "Gap" - Reduces or cancels the difference between your insurance payout and remaining loan balance.
- Peace of Mind - Protects your finances in case of a total loss.
- Low One-Time Cost - One affordable fee that can be paid in full or rolled into your loan payments.
- Available for New & Used Cars - Whether you're buying fresh off the lot or pre-loved.
- Fast & Simple Enrollment - Ask about GAP when you're finalizing your auto loan.
Mechanical Repair Coverage (MRC)
Skip the Surprise Bills
Cars break down. But with Mechanical Repair Coverage (MRC), you won't be stuck footing the whole repair bill. MRC helps cover major mechanical and electrical repairs after your factory warranty runs out - so you can drive with confidence, not worry.
- Flexible Coverage Options - Choose from multiple plans and deductibles that fit your needs.
- 24/7 Roadside Assistance - Towing, jump-starts, lockouts, and more included.
- Rental Car & Trip Interruption - Helps cover your costs while your vehicle's in the shop.
- Use Any Licensed Repair Shop - You're not locked into a dealership.
- 60-Day Cancelation Availability - If coverage goes unused, you may be able to receive a full refund.
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 36-48 months1 | 5.49% | 9.99% |
| 49-60 months3 | 5.74% | 10.49% |
| 61-72 months3 | 5.99% | 10.99% |
| 73-84 months4 | 6.39% | 11.39% |
MAXIMUM AMOUNT Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months 1Minimum loan amount $7,500 | 3Minimum loan amount $15,000 | 4Minimum loan amount $25,000 *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 36-48 months1 | 5.74% | 10.24% |
| 49-60 months3 | 5.99% | 10.74% |
| 61-72 months3 | 6.24% | 11.24% |
| 73-84 months4 | 6.39% | 11.64% |
LOAN TYPE MAXIMUM AMOUNT Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months 1Minimum loan amount $7,500 | 3Minimum loan amount $15,000 | 4Minimum loan amount $25,000 *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 0-48 months1, 7 | 6.49% | 6.99% |
| 49-60 months1, 7 | 6.99% | 7.49% |
LOAN TYPE 11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel) Loan Payment Example: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months Available for purchase only. No cash out loans. 1Minimum loan amount $7,500 | 7Term available for tiers 1 and 2 only. *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
What would my auto payments be?
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.
