Credit union · NCUA insured
On Tap Credit Union Auto Loan Rates
Top CarrotOn Tap Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How On Tap Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where On Tap Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
On Tap Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vehicle Purchase
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- None included
On Tap Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where On Tap 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.
Vehicle Purchase
Membership is required to close the loan. Rates quoted are the lowest available rate with automatic payment from an On Tap Credit Union account discount and an additional discount for financing less than 80% of the vehicle value. Rate received based on credit history/score.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | With Automatic Payments From An On Tap Credit Union Account Or Financing 80% of Value or Less. |
| up to 60 months | 5.24% | With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less. |
| up to 84 months | 5.69% | With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less. Minimum Loan Amount - $40,000. Must be under 1 year old with less than 10,000 miles. |
Sources (1)
- ontapcu.org/colorado-auto-loans-vehicle-purchase · captured Oct 4, 2026
Vehicle Refinance
Membership is required to refinance. Rates quoted are lowest available rate with automatic payment discount. Rate received based on credit score/history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | With Automatic Payments From An On Tap Credit Union Account Or Financing 80% of Value or Less. |
| up to 60 months | 5.24% | With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less. |
| up to 84 months | 5.69% | With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less. Minimum Loan Amount - $40,000. Must be under 1 year old with less than 10,000 miles. |
Sources (1)
- ontapcu.org/colorado-auto-loans-vehicle-refinance · captured Oct 4, 2026
Who can join On Tap Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.