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Auto Loans

Providing a loan with a payment that you can afford is a primary goal of OPCS. We offer competitive loan rates and a wide variety of terms for your borrowing needs.

OPCS offers great rates on many types of vehicle loans:

• Auto (New & Used)
• Boats
• RV's
• Jet Skis
• Snowmobiles

Not sure what the vehicle is worth? Go to the NADA Website for more information.

 

Complete our loan application today!

 

Requirements

• Applicant must be a member of OPCS Federal Credit Union
• Fax a copy of Current Income Verification (such has current paycheck stub) to: Fax: 716-667-1704 Attention: Loan Department
• Please note that all submitted applications and information are encrypted for privacy
  while in transit.

Guaranteed Asset Protection (GAP)

Attention New Car Owners, New and Used Autos!

Are you headed for an expensive GAP if your vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss?

Here is why you need GAP on your vehicle:

• Member's Choice™ Guaranteed Asset Protection (GAP) could save you thousands of dollars.
• GAP covers the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle. However, you are still responsible for your primary insurance deductible.
• For a one time payment of $89, GAP can save you from making loan payments on a vehicle that's been stolen or beyond repair.
• You can sign up for GAP when you apply for your vehicle loan. There's no underwriting, no red tape, no hassles.
• You are protecting your family, your vehicle and your credit rating.

For more information contact a loan officer today for more information about the benefits of GAP!

*MEMBER'S CHOICE Guaranteed Asset Protection is a debt cancellation product available through your credit union except in Oregon, where GAP may be an insurance product or a debt cancellation product. Where MEMBER'S CHOICE Guaranteed Asset Protection is an insurance product, it is made available and underwritten by CUMIS Insurance Society, Inc. Contact our loan officer for more details.