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

 Apply 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! 

 Apply online in minutes or visit any OnPath location to get started. 

 

Step 1 Blue

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.

Step 2 Blue

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.

 

Step 3 Blue

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

Application window open only until May 4th, 2026! 

Apply for your loan with us

*APR = Annual Percentage Rate. Final term and rate can vary based on creditworthiness, age of vehicle, and terms of the loan. Standard Annual Percentage Rate ranges from 4.99% to 17.95%. As an example, a refinanced auto loan in the amount of $15,000 with an APR of 8.99%, a $95 processing fee, and a 60-month term would result in a monthly payment of $302.00. Financing up to the retail value of the auto is available. Members must apply during the promotional period to be eligible for the offer, and the offer must be closed within 30 days. 2% off your current rate offer not valid on current OnPath FCU loans, Indirect auto loans, loans for vehicles with more than 150,000 miles, or recreational vehicle loans (ATV, Jet Ski, motorcycle, boat, RV). Vehicle must be 2017 model or newer. A $156.50 DMV fee applies. The offer is valid from April 20th, 2026 through May 4th, 2026.  Not all individuals or vehicles will qualify. Credit Union membership is required. No other discounts apply. Contact the credit union for additional details.

The 90-day no-payment offer defers the first payment for 90 days from the loan origination date. Interest accrues during the deferral period. 

Must Meet OnPath lending guidelines.