Auto Loans

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Let’s Get You Out There

Whether you’re looking to get on the road or off the beaten path, you can count on Rogue to offer competitively priced auto loans with exceptional service. We have been helping our members fulfill their auto dreams for over 60 years.

Auto Loans

For over 60 years, Rogue has been a trusted source for many folks in Southern Oregon to get into their dream new or used auto. We understand how exciting the car buying process is, and that’s why we’re committed to providing exceptional service through low rates and a quick application process.

  • Low, fixed interest rates
  • Rate discounts for automatic payments, fuel-efficient vehicles, or even being a loyal member
  • Application and underwriting process is quick and easy, to get you on the road faster
  • Pre-approval options give you the ability to shop around with peace of mind
  • No pre-payment penalties
     

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First Time Buyer Program

Our First Time Buyer Program is designed for applicants with a “0” credit score, or a borrower with a limited credit history.

Guidelines:

Applicants Need:

  • A minimum job time of one year at the same employer, with no gap in employment 
  • A current paystub to verify income and employment
  • A minimum of 5% of the purchase price in cash or trade as a down payment
  • Proof of insurance

Plus:

  • Mileage on the vehicle must be 120,000 miles or less 
  • Vehicle must not be more than 12 years old
  • The vehicle value will be determined by MSRP, Kelley Blue Book, Retail Value or NADA retail
  • 40% debt-to-income max. This is calculated from your monthly debt payments, including housing expense, as a ratio of your gross monthly base income

*Rates reflected above include a maximum discount of .50% for having two of the following: Maintain a Rogue Credit Union checking account with direct deposit, Premier status membership or having a relationship over 5 years, Autos with at least 28 highway miles per gallon per fueleconomy.gov guide. 

* Home Improvements and Student Loans are ineligible for Personal Loan or Personal Line of Credit financing.

**Rates reflected above include a maximum discount of 0.50% for having two of the following: Maintain a Rogue Credit Union checking account with direct deposit, Premier status membership or having a relationship over 5 years. Mortgage rates are not eligible for the 0.50% discount. Please consult with your Mortgage Loan Officer for questions.

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates are effective as of March 2020.