Auto Loan

Looking for a car? We can help!

OceanAir can help you borrow easily and wisely with auto rates as low as 5.74%*! Our loans are designed to meet your needs with competitive rates, flexible terms, friendly service, and fast approval. OceanAir provides:

New Vehicle Loans
Used Vehicle Loans
Recreational Vehicle Loans
Refinancing
Seasoned Auto Loan Refinance

*Auto loans “as low as” rate includes the 0.50% discount for automatic loan payments from OceanAir Epic Premium Checking and 0.25% discount for vehicle insurance through Members of OceanAir Insurance. Offer applies to 2019 or newer vehicle models. Rates and terms available on purchase, lease buyout, or refinance. Loan amounts and terms are based on age, mileage, and condition of vehicle.

Auto Loans that meet your needs with competitive rates, flexible terms, friendly service and fast approval.

Take Advantage of our Rate Discounts!

You can save up to 0.75% off your rate.

Epic Premium Checking Discount

Save on your Auto Loan with an Epic Premium Checking Account.

0.50% Rate Discount!
Plus all the perks and benefits of Epic Checking

I want the discount

OceanAir Insurance Discount

Save more on your Auto Loan with an Insurance policy from OceanAir’s own Insurance Agency.

0.25% Rate Discount!
Plus the savings and personalized service of our Insurance experts

I want the discount

Lower your rate with an Epic Premium Checking Account & OceanAir Auto Insurance!

Contact us by filling out the form below to take advantage of this discount! A OceanAir Representative will be in touch shortly.

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Auto Loans & Rates

We can help you borrow easily and wisely. Auto loan features include:

New & Used Car, Truck, Van, and Motorcycle loans
In excess of 100% financing* including tax, license, and fees
Terms up to 84 months for lower payments
Get new vehicle rates and terms on both current and previous model year vehicles

New & Used Auto/Truck/Van (Model year 2019 and newer)

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	5.74%	$30.31
37-48 Months	5.74%	$23.37
49-60 Months	5.99%	$19.33
61-72 Months	6.24%	$16.69
73-84 Months	6.74%	$14.97

Used Auto/Truck/Van (Model year 2018 to 2017)

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	6.74%	$30.76
37-48 Months	6.74%	$23.83
49-60 Months	6.99%	$19.80
61-72 Months	7.24%	$17.17
73-84 Months	7.74%	$15.46

Older Auto/Truck/Van (Model year 2016 and older)

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	7.74%	$31.22
37-48 Months	7.74%	$24.30
49-60 Months	7.99%	$20.28

* APR = Annual Percentage Rate. Rates vary with the amount financed, term, and credit history, and are subject to change without notice. No salvage title vehicles.

Seasoned Auto Loan Refinance Program

What is a Seasoned Auto Loan Refinance?

1% rate reduction or qualifying rate to your current non-OceanAir financed auto loan
Keep your current loan structure

What Loans are eligible?

Vehicles: Auto, Truck, Van
Loans with a minimum of 6 payments on time on an existing loan with a lender
No late payments on the auto loan being refinanced within the past 12 months
Auto loans outside of OceanAir

Interested? Call us at (805) 988-2151 x8806 or Email Us Today!

Auto Buying Resources

Additional Resources

Ready to Apply?

Need More Help?

Fill out the form below and our team will contact you to answer all your questions!