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Auto Loans

Buy or refinance your ride with great rates.

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Get Your Dream Car — Without the Gimmicks

Whether you’re purchasing a new vehicle or refinancing an existing auto loan, ORNL FCU offers auto loans to help you reach your goals.

Flexible Terms

No sneaky prepayment penalties — pay your auto loan in full any time.

Competitive Rates

With rates as low as 3.49%APR*, now’s the best time to buy that dream car, truck, motorcycle, or RV.

Refinance Options

Get a lower rate and monthly payment with no up-front or out-of-pocket costs with quick, easy refinancing.

Expert Guidance

Our team is committed to guiding you through the entire purchase or loan refinance process.

We’ve Got You Covered

ORNL FCU offers a wide range of benefits to our borrowers when they finance their ride through us.

  • GAP coverage
  • Debt protection
  • Vehicle warranties
  • No prepayment penalties
  • Insurance options and discounts

Call or visit a branch to learn more.

See Current Rates on Auto Loans

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Try Our Auto Loan Calculators*

Crunch the numbers for your auto loan or loan refinance.

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Participating Dealer

We Do More Than Just Loans

Let ORNL FCU be your full-service financial institution.

*The use of loan calculators is not a guarantee of credit. Certain credit worthiness criteria and other restrictions may apply for loan approval and qualifying for a lower monthly payment. All loans are subject to credit approval based on our qualified loan program. All ORNL FCU programs, services, rates, terms, and conditions are subject to change at any time without notice.