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Auto Loans

Welcome to the fast lane.

Apply Now

How It Works

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Find your new or used car at a dealer near you.

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You can apply online, give us a call, or stop by a branch. There’s no application fee.

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With your approved budget, you’re ready to hit the dealership and get a great deal.


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%

Estimate your monthly payment

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


Trailhead Rewards

Trailhead members with existing accounts can use Trailhead Rewards points to reduce their rate on an auto loan by 0.25%.

Learn more about Trailhead rewards »

Green Auto Loans

At Trailhead, we want to help you save money and help our community at the same time. So we are rewarding you with a loan rate discount for choosing a “green” car. Receive a 0.25% loan rate discount when you finance any of the following vehicle types:

  • Hybrid
  • Electric Vehicle (EV)
  • Partial Zero Emissions Vehicle (PZEV)

Automatic Payments

Save 0.25% off your auto loan rate when you have your payments automatically deducted from your Trailhead checking account.

Learn more about Trailhead Checking accounts »

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.
Get more information on available coverage and receive a quote. »

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.
Learn more and see if this coverage is right for you. »

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.
Learn more and see if this coverage is right for you. »

Apply for an Auto Loan

Complete our 5-minute online loan application.

Complete the form below to have a Member Service Representative contact you, or call with questions: 503.220.2592

How do you prefer to be contacted?

Visit any of our branches:

Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209

3904 N Mississippi Ave | Portland, OR 97227

3354 SE Division St | Portland, OR 97202

Third Party Site Disclaimer

By clicking this link, you are leaving Trailhead Credit Union’s web site and entering a web site hosted by another party. We do not operate this site, nor are we responsible for its content. Please review the privacy and security policies of the site you are entering, as they may differ from Trailhead’s.

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