Drive Your Dream Car with Options Credit Union Auto Loans
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
Competitive Auto Loan Rates
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Competitive Rates: Enjoy low rates with discounts for automatic payments, getting a pre-approval for a dealer purchase, and having a down payment.
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Flexible Terms: Choose loan terms ranging from 63 to 84 months to fit your budget and lifestyle.
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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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GAP Coverage: Protect your investment with Guaranteed Asset Protection.
Complimentary Auto Buying Concierge Service
Skip the dealership with our free Auto Buying Concierge Service:
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Personalized assistance in finding the perfect vehicle that fits your needs and budget.
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Access to a vast dealer network to locate and secure your desired vehicle.
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Arrange for a personalized test drive delivery.
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Expert negotiation to ensure the best deal and avoid high-pressure sales tactics and unnecessary add-ons.
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Streamlined purchase process, saving you time and stress.
This service is completely free to you. Plus, when you get pre-approved before you start shopping, you'll know your exact price range and get a *0.25% discount off your approved rate.
*discount applies to any dealer purchase, including those made through our concierge service, when you get pre-approved and finance the purchase with the credit union
Why Choose Options Credit Union?
As a member-focused institution, we prioritize your financial well-being. Our auto loans are designed with your needs in mind, offering:
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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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Member Benefits: Access a full suite of financial products and services tailored to your goals.
Easy Auto Loan Refinancing
Looking to lower your current auto loan payments? Consider refinancing with Options Credit Union:
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Potentially secure a lower interest rate if your credit score has improved.
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Adjust your loan term to better fit your goals.
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Benefit from our competitive rates and personalized service.
Assess your vehicles value and explore refinancing options with our team.
Quick Links
FAQ's
What types of vehicles can I finance with an auto loan from Options Credit Union? You can finance new or used cars, trucks, and SUVs for personal use. We also consider financing for specialty vehicles—just ask us for details!
How long can I finance my vehicle for? We offer flexible terms ranging from 63 to 84 months, allowing you to choose a repayment schedule that works best for your budget and goals.
How do I qualify for an auto loan? Eligibility is based on factors like your credit score, income, employment history, and debt-to-income ratio. Not sure where you stand? Apply online or talk with a loan advisor—we’re happy to walk you through it.
Do you require a down payment? Down payment requirements vary depending on your credit and the value of the RV, but we offer options for low or no down payment in some cases.
How do I apply for an auto loan? You can easily apply online using our secure loan application, or contact our team for personal assistance at (303) 860-1117.
Is membership required to get a loan? Yes, you’ll need to become a member of Options Credit Union to receive financing. Joining is easy and comes with great benefits.
Can I get pre-approved before shopping for a vehicle? Yes! Getting pre-approved gives you a better idea of your budget and strengthens your negotiating power with dealers.
What is the Auto Buying Concierge Service? It’s a free, white-glove service that helps you find, test drive, and purchase the perfect car—without stepping foot in a dealership.
Can I refinance my existing auto loan with you? Yes! If you’re looking to lower your rate, reduce your payments, or pay off your loan faster, refinancing with us might be the right move. Let us run the numbers for you.
Is there a penalty for paying off my loan early? Nope—no prepayment penalties here. You can pay off your loan anytime without any extra fees.
How do I make payments on my loan? We make it easy: Set up automatic payments from your account Pay online, by phone, or in person Manage everything through our convenient mobile app
Who do I contact if I have questions during the loan process? We’re here for you! Call or text us at (303) 860-1117 or email helpdesk@optionscreditunion.com for friendly, personal support.
Ready to Get Started?
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Check Current Rates: Stay updated on our latest loan offerings.
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Contact our Team: Call or text (303) 860-1117, or email helpdesk@optionscreditunion.com for personalized assistance.
Experience the Options Credit Union difference - where your financial goals drive our commitment to exceptional service.