woman resting inside car

Auto Loans

let the good times roll

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.



With your preapproval, you are ready to go shopping! Find your new or used car at dealership or private party.



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:

  1. Lower your payment
  2. Shorten your term
  3. Use the equity in your vehicle to consolidate debt
Apply Online

Current Rates

Autos (New & Used)


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
Loan to Value: Below 80%: -0.5%  |  81%-100%: Base rate  |  101% & Above: +0.5%
No Automatic Payment: +0.25%  | Mileage above 125,000 miles: +1%
Trailhead Rewards: -0.25%  | Green Auto: -0.25%
Value is based on sales price of KBB/MSRP for new, whichever is less

Floor Rate is 2.49%

Up to 84 months

7.74% – 18.00%

Loan Rate Discounts

Green Auto Loan

Receive a 0.25% loan rate discount when you finance a “green” car: Hybrid, Electric Vehicle (EV), or Partial Zero Emissions Vehicle (PZEV).

Trailhead Rewards

Reduce your loan rate by 0.25% with Trailhead Rewards points.

Learn about Trailhead Rewards

Estimate your payment

Use our handy calculator to answer the question, “How much will my loan payments be?”

Get your estimate

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.

Apply for an Auto Loan

Get in touch

Call: 503-220-2592

Email: info@trailheadcu.org

Send a secure message through Digital Banking.

Apply Now
Apply Online
Come on in!

Visit any of our branches:

Old Town: 221 NW 2nd Ave, Ste 100

Mississippi: 3904 N Mississippi Ave

Division: 3354 SE Division St