Swap your current auto loan to OnPath & Drop your rate.

Learn how to Swap & Drop your payment today!

Explore the benefits of Swap & Drop

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No payments for up to 90 days.

Make the swap from another lender to OnPath CU and give your wallet a well-deserved break. Just in time for the holidays!

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Lower your rate by 2% APR*.

We'll beat your current rate by 2% - as low as 4.99% APR*. Sorry folks, this offer does not apply to current OnPath auto loans. 

 

Offer expires soon!

 

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Gather your information

Before you begin the application, we suggest you organize a few important details (as listed below) to ensure a quick and easy experience.

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Complete your application

The application is a breeze, taking just about five minutes of your time. Keep in mind, it's designed to be completed in one go.

 

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Hold tight

Keep your phone handy. A credit union associate will contact you within one to five business days to discuss the status of your application. Remember we won't ask youto provide PINs, Online Banking username, codes or any other account information.

For a quicker application, gather the following:

 

Information about your vehicle

  • Make
  • Model
  • Year
  • Exact mileage
  • Value

 

Information about your current lender

  • Name
  • Address
  • Phone number
  • 15-day payoff from finance institution (must include per diem amount and date payoff is good thru)
  • Loan rate

Important records about your loan

Please have the following documents available. You will be able to upload them to the application as a .jpg, .jpeg, .gif, .png, .bmp, or .pdf file. 

  • Auto insurance
  • Proof of income (last 2 check stubs)
  • Retail installment sale contract (1st and 2nd page)
  • Vehicle registration

You missed it!

Our Swap & Drop promotion has ended but you can still get great rates! Check out our rates page for our best currently available rate.

Apply for your loan with us

*APR = Annual Percentage Rate. Loan approval and APR are based on creditworthiness. Not all individuals or vehicles will qualify. Credit Union membership is required. Members must apply during promotional period to be eligible for offer and must close within 30 days. Loans currently financed at OnPath Credit Union are not eligible. Vehicle must be 2017 model or newer. The minimum rate offered is 4.99% APR. A $95 processing fee applies. A $156.50 DMV fee also applies. Loan approval and APR depend on creditworthiness. The offer is valid from November 14, 2025 through December 1, 2025. No other discounts apply. Contact the credit union for additional details.