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Auto Loans

Buying a New or Used Car Just Got a lot Easier
At Oxford FCU, we make buying a new or used car faster, easier, and less expensive.
Whether you're financing a new or used car, refinancing your existing loan to save money, or just comparing rates, we make it easy.

  • Competitive New and Used Auto Loan Rates
  • Affordable payments with terms up to 84 months (7 years)
  • Flexible repayment schedules - repay weekly if you choose
  • Loan Pre-Approval - Your financing will be waiting for you (see tab below for details)
  • Guaranteed Auto Protection (GAP Plus) available (see tab below for details)
  • Route 66 Extended Warranty available (see tab below for details)
  • Quick, local loan decisions
  • Receive a discount rate on your Auto and Home insurance from the TruStage Auto & Home Insurance Program

Apply Online or from your mobile device with the Oxford FCU app, or call 1.800.991.9219

Disclosures - TruStage Auto and Homeowners Insurance Program is made available by CMFG Life Insurance Company and underwriten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Pre-Approval Gives You Purchasing Power
Before buying your next auto, get pre-approved for the money you need at a rate you can afford. You’ll receive a check that can be used to buy a new or used auto at any licensed dealership, up to your pre-approved limit, giving you bargaining power and the ability to buy when you’re ready…at your pace and with extra confidence.  
Pre-Approval is:  

  • Convenient - Your financing is in place and ready to go before you shop
  • Empowering – your check is valid for 60 days, allowing you to shop at your own pace
  • Good for either new or used vehicles
  • Flexible – you can repay your loan weekly, unlike other lenders that only accept monthly payments

To learn more call us at 1.800.991.9219. To begin your loan application online Click Here

TotalRestart is a member benefit that goes beyond traditional GAP coverage. When you finance an auto loan through Oxford FCU and purchase  TotalRestart, you get peace of mind knowing that you may be eligible for a credit toward the replacement cost for a similar car if yours is damaged or stolen and deemed a total loss.  TotalRestart helps protect you against vehicle depreciation.

To learn more, or to add TotalRestart to your auto loan, call us at 1.800.991.9219.

Keep Your Vehicle Covered
You know what your car is worth. But does the insurance company? With Guaranteed Auto Protection (GAP Plus), you'll never have to worry about it. In the event of a total loss, GAP Plus will cover the difference between what you owe on your vehicle and what the insurance company says it is worth. For just a few dollars a month, GAP Plus can save you from having to keep making payments on your vehicle if it is stolen or damaged beyond repair.

GAP Plus:

  • Helps eliminate out-of-pocket costs for remaining loan payments after a loss settlement
  • Protects your credit rating, allowing you to start fresh with a new vehicle purchase
  • Is affordable and can be included in your loan payment
  • Can be purchased before, during, or after your loan is funded
  • Gets you a $1,000 reduction in your next auto loan with Oxford FCU should you need to use GAP Plus

Here's how it works: You borrow $18,000 to buy a car. A year later the car is damaged beyond repair, but you still owe $15,000 on your loan. Your insurance company says the actual cash value of your vehicle is only $10,000, leaving you with a $5,000 balance on your loan - for a car you no longer have. GAP Plus will pay that $5,000, plus give you a $1,000 reduction toward your next auto loan with Oxford FCU.

To learn more, or to add GAP Plus to your auto loan, call us at 1.800.991.9219.










Disclosures
Any financial investment, warranty, credit insurance or other products or services ("products") which are provided by third parties or any affiliates are not products of Oxford Federal Credit Union. If the purchase of same is facilitated by or through Oxford Federal Credit Union financing, it is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and Oxford Federal Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and Oxford Federal Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

Protect Your Investment and Your Finances
Has your new or used car's warranty expired? Are you worried that a mechanical breakdown could cost you hundreds - or even thousands - of dollars? Stop worrying. With a Route 66 Extended Warranty, you get a competitively priced policy offering comprehensive coverage at any licensed facility. And unlike other warranties, you can purchase a Route 66 Extended Warranty anytime. There's no waiting period to start.

With a Route 66 Extended Warranty, you get:

  • Affordable protection for all makes and models
  • No deductible on covered parts and labor
  • Includes 24-hour/7 day a week emergency road service
  • Includes towing, flat tire assistance, battery jump, lock out service and more!
  • Expanded Coverage for vehicles with high mileage (over 100,000)
  • Reduces out of pocket costs for unexpected repairs
  • Rental car reimbursement
  • Plan can be transferred
  • 30-day money back guarantee
  • Also available on powersports!

Get your Route 66 Extended Warranty today! Call us at 1.800.991.9219.

Disclosures
Any financial investment, warranty, credit insurance or other products or services ("products") which are provided by third parties or any affiliates are not products of Oxford Federal Credit Union. If the purchase of same is facilitated by or through Oxford Federal Credit Union financing, it is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and Oxford Federal Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and Oxford Federal Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.