Fuel your joy
Prius, Subaru, or F150? Get fast and affordable financing whether you are buying or refinancing.
How it Works
Get Preapproved
Get preapproved so you know your budget and can negotiate as if you have cash. Apply online, give us a call, or stop by a branch.
Shop
With your preapproval, you are ready to go shopping! Find your new or used car at dealership or private party.
Sign
Once you have found your car and negotiated a great deal, contact Trailhead to complete the transaction.
Auto Mentors Auto Shopping Services
Need help navigating the car-buying process? Leave the stress of car-buying to a reliable partner and expert. Auto Mentors is your locally owned auto buying service. Just tell them the type of vehicle you’re looking for and your price range and watch them take care of the rest.
Contact Russ Johnson at Auto Mentors to get started: 503-654-1244 or russ.johnson@automentors.com
Looking to Refinance?
If you have an existing vehicle loan, you may be able to save money by refinancing with us at a lower interest rate. Consider the benefits of refinancing:
- Lower your payment
- Shorten your term
- Use the equity in your vehicle to consolidate debt
Oregon Car Loan Rates
Term | Annual Percentage Rate |
|---|---|
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+ Rate Adjustments Floor Rate is 2.49% | |
Up to 84 months | 5.99% – 18.00% |
Green Auto Loan Rate Discount
Receive a 0.25% loan rate discount when you finance a “green” car: Hybrid, Electric Vehicle (EV), or Partial Zero Emissions Vehicle (PZEV).
Protect Your Purchase
Mechanical Breakdown Coverage
Get Mechanical Breakdown Protection (MBP) to help pay for covered repairs on your car when that unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars.
GAP Advantage
If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, the “gap” between your insurer’s settlement and your loan balance. GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan, less delinquent payments, late charges, and refundable service warranty contracts and other insurance related charges.
Depreciation Protection Waiver
Insurance companies won’t give back the money you put down on your vehicle if you were to get into an accident and total your vehicle. Depreciation Protection Waiver may be the solution to recoup a portion of the money that you have invested in your vehicle. It provides a benefit in the event of a total loss that equals the difference between the value of the vehicle at the time of coverage enrollment and the loan balance at the time of the total loss.
Estimate your payment
Use our handy calculator to answer the question, “How much will my loan payments be?”
Apply for an Auto Loan
Visit any of our branches:
Old Town: 221 NW 2nd Ave, Ste 100
Mississippi: 3904 N Mississippi Ave
Division: 3354 SE Division St
Frequently Asked Questions
Auto loan refinancing involves taking out a new loan to pay off your existing auto loan. Refinancing can provide various benefits, such as:
- Lower interest rates, which can save you money over the life of the loan.
- Reduced monthly payments, making your finances more manageable.
- Access to better loan terms, such as a shorter or longer repayment period.
No — members can apply and get pre-approved before shopping.
Whether you are looking to make a one-time payment or set up a recurring payment schedule, you have options.
Making payments from your Trailhead account:
- Set up automatic transfers for recurring payments through digital banking or with a Member Service Officer
- For one-time payments, transfer funds via digital or request a transfer through a Member Service Officer
Making payments from an account at another institution:
- Set up automatic payments by requesting an ACH Debit Authorization
- Make a payment by check and either mail or drop off at any of our branches
- Pay online through our payment portal
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