Auto, Boat, and RV Loans

Apply Now!Regular 2.59%APR* Limited Time Auto Loan

Fixed-rate new and used car loans 100% financing available.
Terms up to 75 months.

 Up to 90%** Auto Financing Available for First Time Borrowers!

Looking to buy a new ride but don’t have enough credit history to qualify for a new or used vehicle loan? ORNL Federal Credit Union is here to help. We now have loans available for members with little or no credit. And with up to 90% financing available, we can help you establish a strong credit history for the future.


Not sure if a new car would fit into your monthly budget? Use our Loan Calculator to see how affordable it really can be. When you choose to borrow smart with ORNL Federal Credit Union, then you know you got the best deal around.





Apply Now!


VIP Loan

Apply for your VIP auto, boat, or RV Loan before you shop. Your VIP loan can also be used for personal property, farm equipment, and lawn, garden and shop equipment loans. Once your loan is approved, we'll give you a blank check that you can use to buy any car you want (up to your approved limit).

Get Your Loan at the Dealership!- Dealer Direct Program

Special arrangements made with East Tennessee automobile and boat dealers allow you to obtain on-the-spot credit union financing at the dealership, when you make a purchase. At participating dealers, you receive the same low interest rates and terms that you now receive at any of the credit union’s branches. The loans are just as if the financing was completed in one of our offices. Be sure to ask the participating dealers for ORNL Federal Credit Union financing.

For a list of on-the-spot participating dealers, click here.

Guaranteed Auto Protection (GAP) Coverage

Guaranteed Auto Protection combines products to provide you with affordable coverage for unexpected expenses. Plus, did you know that if the vehicle you are now purchasing is totaled, or is stolen and not recovered, your insurance may not pay off the total amount due to your financial institution?

For a Guaranteed Auto Protection coverage quote, click here.

Car Buying Resources

Kelly Blue Book
Edmunds Buyer's Guide

*Annual Percentage Rate. Lowest rate based on Credit Union’s Qualified Loan Program. New money only. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, and loan terms. Estimated monthly payment of $439.10 based on $20,000 borrowed for 48 months at 2.59% APR. Other rates and terms available. All rates and terms subject to change without notice. Other restrictions may apply. Please speak with a Credit Union loan representative for full details..

**Borrower must show proof of one-year minimum employment history. Maximum loan amount $25,000 and maximum payment to income of 15%. Maximum term 60 months. Maximum collateral/vehicle mileage is 80,000 miles. Must provide 10% down in cash or trade equity. Certain restrictions may apply. All rates and terms subject to change without notice. Please speak with a Credit Union loan representative for full details.