Credit union · NCUA insured
Ocean State Credit Union Auto Loan Rates
Top CarrotOcean State Credit Union auto loans start at 6.00% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How Ocean State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Ocean State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ocean State Credit Union
6.00%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
Ocean State Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ocean State Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Loans for new and used motorcycles. Must have full insurance coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50% | New motorcycle. Rate as low as 6.50% APR. Requires 15% down payment or GAP coverage. |
| up to 60 months | 6.75% | New motorcycle. Rate as low as 6.75% APR. Requires 15% down payment or GAP coverage. |
| up to 36 months | 7.50% | Used motorcycle. Rate as low as 7.50% APR. Requires 15% down payment or GAP coverage. |
Sources (3)
All captured Oct 15, 2026
New Auto Loans
Finance up to 100% of purchase price plus tax, warranty, and license fees with GAP on loan. Must have full insurance coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | Rate as low as 6.00% APR. Requires 10% down payment or GAP coverage. |
| up to 72 months | 7.25% | Rate as low as 7.25% APR. $10,000 minimum loan amount. Requires 15% down payment or GAP coverage. |
| up to 84 months | 7.75% | Rate as low as 7.75% APR. $20,000 minimum loan amount. Requires 15% down payment or GAP coverage. |
Sources (3)
All captured Oct 15, 2026
Pre-Owned Auto Loans
OSCU will finance up to 100% of NADA retail book value for used autos, eight model years old or less with GAP. Maximum mileage 90,000 miles. Must have full insurance coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Model Year 2025-2026. Rate as low as 6.25% APR. Requires 15% down payment or GAP coverage. |
| up to 48 months | 7.00% | Model Year 2023-2024. Rate as low as 7.00% APR. Requires 15% down payment or GAP coverage. |
| up to 36 months | 7.00% | Model Year 2021-2022. Rate as low as 7.00% APR. Requires 15% down payment or GAP coverage. |
| up to 24 months | 7.00% | Model Year 2019-2020. Rate as low as 7.00% APR. Requires 15% down payment or GAP coverage. |
| up to 24 months | 10.00% | Older Vehicles. Rate as low as 10.00% APR. Requires 15% down payment or GAP coverage. |
Sources (3)
All captured Oct 15, 2026
Refinance a New Auto
Refinancing for new autos. Must have full insurance coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25% | Rate as low as 6.25% APR+. Requires 10% down payment or GAP coverage. |
| up to 60 months | 6.75% | Rate as low as 6.75% APR+. Requires 10% down payment or GAP coverage. |
Sources (2)
All captured Oct 15, 2026
Who can join Ocean State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.