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Auto Loans

CARS | TRUCKS | SUVS

Enjoy a 0.25% rate discount with automatic payments or direct deposit. (1)



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Get your dream car or boat—without the gimmicks

Whether you’re purchasing a new vehicle or refinancing an existing auto, boat, or RV 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. Plus, take up to 90 days to make your first payment!**

Competitive Rates

With low rates, now’s the best time to buy that dream car, truck, motorcycle, boat, 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

Call, visit a branch, or click below to learn more.

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.

(1) To qualify for the discount, you must enroll in auto-debit and maintain an active account in good standing. By enrolling in our auto-debit program, you authorize us to automatically deduct your monthly payments from your specified ORNL Federal Credit Union or other financial institution bank account. Or, qualify by having direct deposit to your ORNL FCU account. Subject to Credit Approval. This offer cannot be combined with any other offers or promotions.

*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. ** Certain credit restrictions apply.

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