Establish Credit 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.

Apply Online Now!

*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.

Get your ORNL FCU Loan at a Dealership!

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.

How Much Vehicle Can I Afford?

What's that new or used car actually worth?

How do trade-in values compare to private-sale values? Which car is right for you? Is it the right time to buy or sell? Kelly Blue Book, Edmunds, and IntelliChoice can help! Get advice from the experts on buying that new or used car or tips on selling the car you already have to make the upgrade you've been wanting,

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