Welcome to OSFCU!
Welcome to your One Source FCU Auto Resource Center! Here you will find everything you need in ONE place to help educate you on all things Auto Loans and only here at ONE Source, of course!
Whether you are a first-time car buyer, looking to refinance your existing auto from another financial institution, looking to purchase a new auto, One Source FCU will be there to help you every step of the way! So, stop dreaming and start living in the car of your dreams! One Source Federal Credit Union will help you find the right auto that not only fits your needs but your budget.
So, what are you waiting for? Call today to speak to any of our Member Service Officers or APPLY online by clicking on the tab below:
Apply Now
MEET OUR LENDING STAFF
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Auto Loan Products
+ New Vehicles
- Great Auto Loan Rates, depending on amount and term financed.
- Mechanical Protection Program and GAP Insurance available for added peace of mind
What to expect when financing a car at One Source:
Step 1: Apply for an auto loan by clicking below:
Apply Now
Input your personal information and loan details. The application takes about 5 minutes to complete.
Step 2: A loan officer will call you to go over your loan application and request any necessary documents needed. Common examples could include a purchase order, paycheck stubs, income taxes, 14-day payoff from current lender, and retirement award letters.
Step 3: Schedule a 15 min call with our loan officers to go over the loan terms, learn about our valuable products and services, look for any member discounts, and set a convenient due date for your loan payments.
Step 4: Receive your loan documents via DocuSign, review all terms and conditions, and sign all documents. Make sure to save a copy of your loan documents for your convenience. Alternatively, you can call us at 915-592-0223 to schedule an in-branch closing, currently by appointment only.
So, what are you waiting for? Appy online TODAY or give us a call 1-800-532-0223 to apply by phone or if you have any questions.
One Source is YOUR source for all of your auto buying needs!
*APR is annual percentage rate. Offer good on approved credit only. Must be a OSFCU member. LTV-80% or lower and max term of 48 months. Certain restrictions apply. See credit union for details. Federally Insured by NCUA.
+ Used Vehicles
- Great Auto Loan Rates, depending on amount and term financed.
- Terms up to 84 months to help lower your monthly payment
- Mechanical Protection Program and GAP insurance available for added peace of mind
What to expect when financing a car at One Source:
Step 1: Apply for an auto loan by clicking below:
Apply Now
Input your personal information and loan details. The application takes about 5 minutes to complete.
Step 2: A loan officer will call you to go over your loan application and request any necessary documents needed. Common examples could include a purchase order, paycheck stubs, income taxes, 14-day payoff from current lender, and retirement award letters.
Step 3: Schedule a 15 min call with our loan officers to go over the loan terms, learn about our valuable products and services, look for any member discounts, and set a convenient due date for your loan payments.
Step 4: Receive your loan documents via DocuSign, review all terms and conditions, and sign all documents. Make sure to save a copy of your loan documents for your convenience. Alternatively, you can call us at 915-592-0223 to schedule an in-branch closing, currently by appointment only.
So, what are you waiting for? Appy online TODAY or give us a call 1-800-532-0223 to apply by phone or if you have any questions.
One Source is YOUR source for all of your auto buying needs!
*APR is annual percentage rate. Offer good on approved credit only. Must be a OSFCU member. LTV- 80% or lower and max term of 48 months. Certain restrictions apply. See credit union for details. Federally Insured by NCUA.
+ RV’s & Motorcycles
Dreaming of cruising the open road and beginning a new adventure in an RV or Motorcycle? Pick One Source, of course! We have great rates, flexible terms, and a friendly staff at your disposal.
Make NO payments for 90 days* available depending on your credit score.
Apply online or simply stop by at any of our branches. All rates shown are based on Annual Percentage Rate, term, and are dependent on credit score and credit approval.
RV LOANS:
- Mechanical Protection Program and GAP insurance available for added peace of mind
MOTORCYCLE LOANS:
- Mechanical Protection Program and GAP insurance available for added peace of mind
Apply Now
*APR is annual percentage rate. Interest continues to accrue on 90 days no payment. Offer good on approved credit only. Must be a OSFCU member. Certain restrictions apply. See credit union for details. Federally Insured by NCUA.
+ Repo Vehicles
Make sure to take a look at our Repo Vehicles!
View Repos
Credit Loan Information
We offer a variety of loan programs for both seasoned borrowers, to borrowers with less than ideal credit, and even people who have very limited or no credit experience. Our loan programs feature flexible credit and qualification requirements, addressing some of the most common obstacles buyers face when purchasing a vehicle. A strong credit score with excellent repayment history can help you get the best rate in town, at One Source of course! A lower credit or no credit score might result in a higher interest rate, lower approved amount, the need for a bigger down payment, or might require adding an experienced co-borrower or cosigner. We understand the loan process can become stressful, complicated or even dreaded. Will I qualify? What happens next? How do I know I’m getting the best rate? That’s why our team of experience lenders will help you every step of the way, giving you peace of mind you have made the right decision by choosing One Source FCU.
Your credit score, as well as the information on your credit report, are key factors in determining whether you will be able to get approved for a vehicle loan. Errors on your credit report can affect your score, so it's important to check your credit report and correct any errors before applying for a loan. Your credit score is only one component in a lenders decision, other factors include: the amount of debt you already have, the vehicle itself, your current income, job stability, down payment amount, and prior payment history. We recommend requesting and reviewing a free copy of your credit report and if there are errors, resolving them before starting your vehicle application.
Auto Loan Incentives
One Source is YOUR source for all of your auto buying needs! Take a look at what we have to offer:
*Certain restrictions apply. Offer based on approved credit. Must be a OSFCU member. See credit union for details.
Member Discount on Auto Insurance from Travelers
As a member of One Source Federal Credit Union, you could save an average of $638* on auto insurance with Travelers and get access to these great benefits:
- One Source Federal Credit Union member discount on quality Travelers auto insurance
- Additional discounts could be available like multi-policy or hybrid/electric vehicle
- Free, no-obligation quotes
- Easy payment options, including electronic funds transfer (EFT)
- 24/7 claim reporting and customer service
Even if you recently renewed your policy, you can still get a quote with your One Source Federal Credit Union member discount
and you could switch at any time. Plus, if Travelers isn’t the right fit at this time, you can compare quotes from up to
50 national and regional carriers through InsuraMatch, a wholly owned agency of Travelers.
To get a quote call 1-866-857-3569 or click "Start Quote" to quote online and see full details including legal disclosures.
Start Quote
