Auto Loan

Buy with Confidence—Before You Step on the Lot

Know your rate, your budget, and your options before the dealer talks numbers. Rates as low as 4.49%*!

New Vehicle Loans
Used Vehicle Loans
Recreational Vehicle Loans
Refinancing

*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 2021 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.

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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Refinance

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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
Lower payments with flexible terms up to 84 months—so your budget stays manageable.
Get new vehicle rates and terms on both current and previous model year vehicles

New & Used Auto/Truck/Van (Model year 2026 to 2021)

Term	APR Rates* as low as	Payment per $1,000**
36 Months or less	4.49%	$29.75
37-48 Months	4.49%	$22.81
49-60 Months	4.74%	$18.76
61-72 Months	5.24%	$16.22
73-84 Months	5.49%	$14.37

Used Auto/Truck/Van (Model year 2020 to 2019)

Term	APR Rates* as low as	Payment per $1,000**
36 Months or less	5.49%	$30.20
37-48 Months	5.49%	$23.26
49-60 Months	5.74%	$19.22
61-72 Months	6.24%	$16.70

Older Auto/Truck/Van (Model year 2018 and older)

Term	APR Rates* as low as	Payment per $1,000**
36 Months or less	6.49%	$30.66
37-48 Months	6.49%	$23.72
49-60 Months	6.74%	$19.69

* 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. 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.

** based on maximum term

Auto Buying Resources

Additional Resources

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