Bank · FDIC insured
Oriental Bank Auto Loan Rates
Oriental Bank auto loans start at 5.29% APR for a new vehicle and 5.99% for a used one. Rates checked October 15, 2026.
How Oriental Bank’s auto loan rates compare
Compared with banks and credit unions near San Juan, PR, where Oriental Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Oriental Bank
5.29%APR
- Terms
- 60–84 months
- Discount
- Included in the rate
Conventional Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Oriental Bank auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oriental Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Conventional Loan
Available for individuals and corporations. Financing up to 100%. APR examples apply to customers with credit score 810+ (excellent credit history 0,0,0). ACH automatic payment discount of 0.25% included; rates increase by 0.25% without ACH. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 5.29% | Term 60 months with maximum up to 84 months. MSRP starting at $18,000. |
| up to 84 months | 6.69% | Term 84 months; max 78 months on current-year vehicles. Financing for vehicles up to 10 years after manufacture. |
Sources (1)
- orientalbank.com/en/personal/auto · captured Oct 15, 2026
Oriental A+
Not a lease; vehicle registered in borrower's name. Residual up to 35% due at end of term. Credit score 660+ required; APR examples apply to customers with credit score 810+. ACH automatic payment discount of 0.25% included.
| Terms | APR | Conditions |
|---|---|---|
| 60–66 months | 5.39% | Term 60 months with up to 66 months. New cars with MSRP starting at $22,000. |
| up to 66 months | 5.99% | Term 66 months for current-year used cars. Used cars price starting at $24,999. |
Sources (1)
- orientalbank.com/en/personal/auto · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.