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Vehicle loans


Whether you are buying your dream car or just basic transportation Oswego Teachers FCU will help you get the lowest possible rate. We offer multiple discounts and we will finance up to 100% of the vehicle’s value.


Apply now

If you happen to find a better rate and term, just let us know. We’ll try our best to meet or beat that rate. Obviously we can’t meet or beat every teaser rate dealers can offer.

Our process is fast and simple. After all, this is why you’ve chosen to belong to a Credit Union–fast, personal, friendly service. We’re here to help.


Get pre-approved before you shop

Getting pre-approved for your vehicle loan means you’ll have one less thing to worry about negotiating when you find the exact vehicle you want.


Refinance your current auto loan with us and save!

Refinancing your existing vehicle loan could lower your rate and monthly payment – putting more money in your pocket! Call for details.


GAP insurance. We can help protect you and your auto from loss.

Did you know that if your vehicle is totaled or stolen, you could face a financial risk that your auto insurance policy may not cover? Guaranteed Asset Protection (GAP) coverage protects you against this risk!

In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you’re liable for! With GAP insurance, you will receive the difference between the value of your vehicle and its unpaid loan balance.

This benefit is available for a one-time only cost of only $155 ($185 for ATVs, boats, motorcycles and RVs). For additional protection for you and your family, we also offer life insurance options and disability insurance on your loan for a small monthly premium.