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Refinance and get cash back

For a limited time, refinance your auto, boat, or RV loan and receive 1.00% cash back** up to $500!

*APR is Annual Percentage Rate. Rates subject to change. **1% cash back rebate offer valid with refinancing a vehicle (auto, boat or RV) loan held at another financial institution to ORNL FCU. Rebate will be 1% of the total amount financed, less the value of Payment Protection, if applicable. Maximum cash back rebate is $500 per vehicle loan refinanced. In order to qualify for the 1% cash rebate, the vehicle loan application must be received, approved, and funded between August 1, 2017 and October 31, 2017. Minimum loan amount is $7,500. Existing ORNL FCU loans are not eligible for this finance promotion. Rebate will be deposited into member’s ORNL FCU Membership Account 90 days after the loan is funded. Membership Account and vehicle loan must be open and in good standing 90 days after loan funding in order to be eligible for the cash back deposit to be made. Certain credit worthiness criteria apply for loan approval.  

Purchase or Refinance

Have you found the perfect vehicle? Enjoy flexible loan options that fit your specific needs. With great credit, 100%* financing is possible. Want to pay with cash? A preapproved VIP loan can help you negotiate the price down.

Already have the perfect vehicle?  Check with us to see if you have the perfect loan.  Refinancing a vehicle can help you save money each month!
Apply Now



Calculate Payment            †Calculate Refinance Savings

*Certain restrictions apply.
 †The use of Loan Calculators is not a guarantee of credit.



Guaranteed Auto Protection (GAP) Coverage

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?
Get a coverage quote


Locate Dealer

We have a lot of friends with cars for sale. Locate a dealer and ask for an ORNL FCU vehicle loan.

  • Knoxville

  • Alcoa/Louisville/Maryville

  • Oak Ridge

  • Clinton/LaFollette

  • Sevierville/Kodak/Newport

  • Morristown/Jefferson City/Rutledge

  • Lenoir City/Sweetwater/Athens

  • Harriman/Wartburg/Rockwood

  • Boats

  • Motorcycles, Personal Watercraft, ATVs, RVs

  • Greeneville

  • Crossville/Cookeville