Auto Loans with Options Credit Union
At Options Credit Union, we make your car-buying journey smooth and affordable. Whether you're eyeing a brand-new ride or a reliable used vehicle, our auto loan solutions are tailored to fit your needs and budget
Why Choose Options Credit Union?
From competitive rates to no hidden fees, Options Credit Union makes financing your car simple, affordable, and built around your goals.
Auto Loan Rates & Terms
Model Years | Rate Range | Terms |
|---|---|---|
2022-2025 | 4.65%-21.00% | up to 84 months |
2019-2021 | 4.90%-21.00% | up to 84 months |
2015-2018 | 5.15%-21.00% | up to 84 months |
All rates are accurate as of 11/20/2025, subject to change.
APR is the Annual Percentage Rate.
Terms longer than 63 months require a minimum finance amount.
Other rates and terms available
The rate will vary based on personal credit history and underwriting factors.
Programs, rates, terms and conditions are subject to change without notice.
The applicable rate will be provided upon completion of a loan application.
Benefits of Financing with Options
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Personalized Service: Our team is here to guide you through every step of the financing process.
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Local Expertise: Based in Littleton, Colorado, we understand the unique needs of our community.
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No Payments for 45 Days: Purchase your new vehicle now and make your first payment later.
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Refinancing Options: Bring your existing auto loan to us and potentially lower your rate and monthly payment.
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Discounts on Insurance: Save on your auto insurance with your credit union membership. Get An Insurance Quote
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GAP Coverage: Protect your investment with Guaranteed Asset Protection plan from Options. Learn More About GAP
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Mechanical Breakdown Protection: Purchase a Route 66 warranty from Options with roadside assistance. Learn More About Mechanical Coverage
How to Apply for an Auto Loan
Check your eligibility – Make sure you’re a member of Options Credit Union (or apply for membership).
Gather your documents – Driver’s license, proof of income, and vehicle information (if known).
Get pre-approved – Apply online to get your rate estimate and budget before car shopping.
Shop with confidence – Use your pre-approval to negotiate better at the dealership.
Finalize your loan – Sign your documents electronically or in person, and drive away with your new car.