Vehicle Loan

This loan is right for you if:

  • You want to buy an RV for family camping trips
  • It's time for a new car or truck
  • You love the outdoors and want to buy an ATV or snowmobile

Loan Features

  • Competitive Rates
  • You own the vehicle
  • You can sell the vehicle at any time with no interest penalty for paying off the loan
  • You can modify the car any way you choose (paint or after-market options)
  • There's no mileage restrictions or worry about excess wear-and-tear
  • You can be car-payment-free some day and have some equity to show
  • For additional peace of mind, we offer affordable creditor life and disability insurance to protect your family from financial risk
  • You have control and stay in the driver's seat!

Borrowing versus Leasing

Advantages of Leasing

  • You can usually keep your monthly car payments lower than if you purchase
  • You can usually drive a more expensive car than if you purchase
  • There can be a tax advantage if you drive a car for business purposes

Disadvantages of Leasing

  • You don’t own the vehicle
  • You can be subject to ‘surprise’ end-of-lease charges for excess mileage and wear-and-tear
  • Inflexible terms – if for some reason you need to end the lease early, you can be subject to a penalty for early termination. Think it couldn’t happen to you? It can happen to anyone… job loss, auto theft or an accident

Advantages of Borrowing To Own

  • Our loan payments can be lower than lease payments
  • Payments will be based on the purchase price of the car including taxes (for qualified applicants)

Ready to apply? Applying for credit with us is easy!


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In Person

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By Phone

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OAC, certain conditions apply.
Get Pre-Approved