Special Announcement:

Welcome to:

Openland Credit Union

800-848-0330
Routing: 313189401

Log In To Access
Your Account!

Make a Payment From Another Financial Institution

Openland Credit Union

Auto Loans

At Openland, we pride ourselves on the loan options we offer for vehicles, motorcycles, boats and RVs! Whether you’re thinking about purchasing new or used, or refinancing to lower your payments, we can help.

Are you thinking about purchasing a new or used vehicle?

Openland can save you time and money with rates as low as {{RATE}}.

Interested in refinancing your auto loan from somewhere else?* Now's the perfect time to refinance with Openland and enjoy:

1% off the rate you're currently paying, or better if you qualify!¹
1% cash back²
90 days no payment³

Apply Now for a Vehicle Loan

Protect your investment with Openland Insurance, who prices themselves on high levels of satisfaction achieved through uncompromising customer services and competitive rates.

Did you receive a letter in the mail concerning insurance coverage? Click here to provide proof of insurance.

Don’t forget to check out these resources before purchasing your vehicle and applying for loans:

FAQ: Common Questions About Secured Loans

What is a secured loan?

A secured loan is a loan backed by collateral, such as a vehicle or other qualifying asset. If the borrower does not repay the loan according to the agreed terms, the lender may have rights to the collateral. Openland Credit Union offers secured financing options, including loans for vehicles and recreational vehicles.

What types of secured loans does Openland Credit Union offer?

Openland Credit Union offers secured financing for new and used vehicles, including automobiles, motorcycles, boats and recreational vehicles. Specific loan terms and eligibility requirements vary by loan type and are subject to credit approval.

Can I get a secured loan for a used vehicle?

Yes. Openland offers financing for new and used vehicles. Loan rates and terms depend on factors such as the vehicle, loan term, creditworthiness and underwriting requirements.

Can I refinance my existing auto loan with Openland?

Yes. Openland offers auto loan refinancing for eligible loans financed with another lender. Qualified members may be eligible for promotional benefits, including a rate discount, cash back and deferred payments. Restrictions and eligibility requirements apply.

What are the benefits of using a credit union for an auto loan?

Financing a vehicle through a credit union can provide access to competitive rates and flexible financing options. Openland also provides resources to help members research vehicles and compare dealer financing with credit union financing before purchasing a vehicle.

How much can I borrow for a secured loan?

The amount you can borrow depends on the type of secured loan, the collateral, your creditworthiness and other underwriting factors. For Openland auto loans, the maximum amount and loan-to-value requirements vary based on the vehicle and applicable loan terms.

Can I finance 100% of a vehicle's value?

Openland may offer financing up to 100% of retail for qualifying auto loans. The amount you can finance depends on the vehicle, your creditworthiness and other underwriting requirements. Additional terms and conditions may apply.

What factors affect my secured loan interest rate?

Your interest rate may be affected by factors such as your credit history, creditworthiness, loan term, collateral and other underwriting considerations. Rates and terms are subject to change and approval.

Can I use a secured loan to finance a motorcycle, boat or RV?

Yes. Openland offers financing for motorcycles, boats and recreational vehicles. Eligible applicants may have access to flexible loan terms, including terms of up to 15 years for qualifying boats and recreational vehicles and up to 10 years for motorcycles.

Can I apply for an Openland secured loan online?

Yes. Openland provides an online application option for eligible loans. Applicants should review the applicable requirements and loan terms before submitting an application.

Membership required. Membership requires savings account with minimum balance of $1. Loans are subject to credit union membership eligibility, credit approval, underwriting conditions and verification of information provided in the application. Rate is subject to creditworthiness and underwriting factors.

*Annual Percentage Rate. Rate and terms are subject to change without notice. Rate subject to credit approval. APR requires auto debit from Openland checking account and credit insurance. Other rate terms may apply. Rate valid for 36 month term on autos 2005 or newer. Additional terms at competitive rates available. Maximum loan 100% of retail.

¹APR=Annual Percentage Rate. Lowest possible rate is 4.24% APR for premium credit with a term of less than 42 months and includes 1.00% rate discount for this special promotion. Additional terms at competitive rates available. Offer valid for refinance of an existing auto loan from another lender only. Auto loans currently financed with Openland and Indirect Loans are not eligible. ²1% cash back based on actual amount financed and maximum cash back $250. Member responsible for tax consequences if any. ³Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Vehicle to finance must be 2015 or newer. Loan-to-value (LTV) must not exceed 125%. Minimum amount to finance is $5,000. Maximum amount to finance is $100,000. Offer subject to change at any time.

Guaranteed Asset Protection (GAP)

Mechanical Repair Coverage

Credit Card

Personal Loan

More of what matters.

When you become an Openland Credit Union member, you become part of everything we do to impact our communities.

We can't wait to show you what's possible.

Become a Member

Let's Hear From #happyOpenlandCUmembers!

Randall's story

They have it figured out all the way around. What a great Credit Union that also gives back to the community.

Randall – Member

Skip The Line!

Mobile Access to your Accounts Anytime, Anywhere!

Easy Access on the Go

Log In Fast
Manage From Anywhere

Learn More about mobile banking

The Openland Credit Union Mobile app allows you to view your transaction history and account balances, pay bills, make transfers and locate our nearest ATMs and branches!