Get Your Auto Loan In Central Oregon Today! Apply Now
Are you dreaming of cruising down the scenic byways of Central Oregon in a brand-new vehicle, or perhaps upgrading to a more reliable ride? Mid Oregon Federal Credit Union is your trusted partner in turning those automotive aspirations into reality, offering a diverse range of auto loan solutions tailored to fit your individual needs.
For residents of Bend, Redmond, Prineville, Madras, La Pine, and Sisters, Mid Oregon Federal Credit Union offers a convenient and accessible path to securing the financing you need. Whether you prefer the ease of online application or the personalized touch of speaking with a loan officer, the process is designed to be straightforward and stress-free.
| Category | Details |
|---|---|
| Services Offered | Auto/RV Loans, Home Loans, Visa Credit Cards, Credit Builder Loans, Business Loans, and more |
| Geographic Reach | Serving Central Oregon, with branches in Bend, Redmond, Prineville, Madras, La Pine, and Sisters |
| Financial Products | Free Checking Accounts, Online Banking, Investment Services, Business Banking & Financing |
| Auto Loan Types | New and Used Auto Loans |
| Loan Application Methods | Online application and in-person at branch locations |
| Average Loan Amount (Auto) | $18,000 per vehicle (based on Mid Oregon FCU data) |
| Competitive Rates | Starting at 7.99% for both new and used auto loans (subject to change) |
| Refinancing Options | Available to potentially secure shorter terms and more affordable payments |
| Additional Benefits | Guaranteed Asset Protection (GAP) Plus coverage |
Mid Oregon Federal Credit Union is more than just a lender; it's a cornerstone of the Central Oregon community. With a deep understanding of the local landscape and a commitment to its members, the credit union provides a range of financial services designed to empower individuals and businesses alike. From free checking accounts and online banking to investment opportunities and comprehensive business banking solutions, Mid Oregon is equipped to meet a diverse spectrum of financial needs.
The credit union's dedication to its members shines through in its approach to auto loans. Beyond simply offering competitive rates, Mid Oregon strives to provide a supportive and transparent process. Many purchasers find the online application process remarkably straightforward, allowing them to get started quickly and conveniently. For those who prefer a more personal touch, the experienced loan officers at any of the seven branch locations are ready to provide guidance and answer any questions.
In the dynamic world of finance, making informed decisions is crucial. Mid Oregon empowers its members with readily accessible information, including the annual percentage rates (APRs) associated with auto loans. These rates, which are subject to change, are carefully determined based on factors such as the year of the collateral, the loan-to-value ratio, the loan length, the borrower's credit profile, the market area, and the loan amount. For example, an auto loan for $10,000 at a rate of 6.49% over 60 months would entail 60 payments of $195.61. (Rates current as of 04/01/2025)
Recognizing that the needs of its members extend beyond simple financing, Mid Oregon offers a variety of additional services designed to enhance financial security. Guaranteed Asset Protection (GAP) Plus coverage provides a valuable layer of security, eliminating out-of-pocket expenses in the event of a deficit between the loan balance and the actual insurance settlement amount. Furthermore, members can explore payment protection options, including life, disability, and unemployment coverage, to safeguard against unforeseen circumstances.
For businesses in Central Oregon, Mid Oregon Federal Credit Union offers commercial services designed to provide the financial tools necessary for sustained success. From business banking and financing to a wide array of related services, the credit union supports local businesses in reaching their goals.
Making loan payments with Mid Oregon is designed to be easy and convenient. Members can make payments from their Mid Oregon checking or savings account or through direct payroll deposit. Additionally, payments can be initiated quickly and securely using a debit or credit card from another financial institution, providing 24/7 accessibility.
If you're considering a new vehicle or looking to refinance your existing auto loan, Mid Oregon Federal Credit Union invites you to explore the possibilities. Whether you're drawn to the convenience of online application or prefer the personalized attention of a loan officer, the credit union's dedicated team is ready to assist you every step of the way. In Bend, Redmond, Prineville, Madras, La Pine, or Sisters, the doors are open to welcome you. For additional insights, visit the National Credit Union Administration (NCUA) website.
The choice between a new and used vehicle presents a unique set of considerations. Interest rates on new car loans frequently differ from those on used car loans. Mid Oregon, however, stands out by providing consistent rates for both. The amount you can finance for a used vehicle is determined by its current value.
Many individuals find that the spring season is a time when they are most actively looking to purchase a new vehicle. In response to this trend, Mid Oregon stands ready to help the residents of Central Oregon in their vehicle purchases, be it cars, trucks, or RVs.
Navigating the world of auto loans can be complex, but Mid Oregon Federal Credit Union strives to simplify the process and provide clarity every step of the way. By offering competitive rates, a variety of services, and a strong commitment to its members, Mid Oregon is uniquely positioned to help you achieve your automotive dreams.
For those seeking bad credit car financing in Oregon, Mid Oregon offers a dedicated finance center with friendly and expert advisors ready to explore your options. Don't postpone getting your next new or used vehicle; start the process today.
Mid Oregon Federal Credit Union believes in the credit union philosophy of "people helping people." As a member, you're not just a customer; you're an owner. Loan rates and terms are subject to credit approval and can change without notice, which are effective as of April 27, 2025. Additional restrictions and qualifications may apply.
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