Why Choose Orange County's Federal Credit Union?
Rates as Low as 4.49%APR¹
Competitive rates that help keep your monthly payments affordable.
Flexible Terms up to 84 Months
Choose payment options designed to fit your budget.
Fast, Simple Approvals
Get quick decisions with a smooth, stress free process.
Local Experts Who Care
Friendly specialists who guide you every step of the way.
How it Works:
Get Your Auto Loan in 3 Easy Steps
Apply Online
Fill out our quick application.
Get Approved
Receive your loan offer fast.
Drive Away
Buy or refinance your car.
Estimate Your Monthly Payments2
Benefits That Go Beyond The Loan
Vehicle Protection Options
Add GAP, Mechanical Repair Coverage, and Debt Protection for added peace of mind.
No Payments for Up to 90 Days³
Qualified Members can delay payments to help manage upfront costs.
Direct Deposit Rate Discount
Enjoy 0.25% off your rate when using Direct Deposit.
What Our Members Say
Real stories from real people who trusted us with their auto loans
Max Alperstein
January 10, 2026
Top notch service from start to finish. The communication throughout the loan process made everything easy to understand
Maria Livingston
January 10, 2026
Great rate and excellent service. The whole loan process was smooth, quick, and easy
Zella Zhou
January 27, 2026
I felt valued throughout the loan process. The staff made everything simple and completely stress-free
4.9 out of 5
Based on auto loan reviews
1 APR = Annual Percentage Rate. Payment example: For an auto loan with a 48-month term at 4.49% APR, the estimated monthly payment is $22.87 per $1,000 borrowed. All quoted rates include a 0.75% discount for borrowers who set up and receive a minimum direct deposit of $500 per month. If the required direct deposit is not set up or not received, the APR will be 0.75% higher. The rate may change if any of the terms or conditions change. Maximum financing up to 100% MSRP (new)/ Kelley Retail Blue Book (used) for First-Time Buyer Program. If your creditworthiness changes prior to the expiration of this approval, Orange Federal County's Credit Union reserves the right to withdraw the terms and conditions as stated in this email. The offer is subject to change or cancellation.
2 This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.
3 The no payment for up to 90 days option is available for qualified borrowers. Does not apply to the refinance of existing CU auto loans or cash-out refinance loans. Finance charges begin to accrue the date the loan is funded and are repaid in the first monthly payment(s) due. As a result, you may pay higher total finance charges on the loan than if repayment began earlier.