Holiday closures: Monday, December 24 after 2:00 PM; Tuesday, December 25; Tuesday, January 1

Auto Loans

Welcome to the fast lane.

Apply Now
view out the back of an SUV of a young family going for a hike

How It Works


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


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


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


Autos & Motorcycles (New & Used)


Annual Percentage Rate

Loan to Value*

Rate Adjustment

Below 80%




101% & Above


*Value = sales price or KBB Retail/MSRP for new, whichever is less

Additional Adjustments

Rate Adjustments

No Automatic Payment


Trailhead Rewards


Green Auto


Mileage above 125,000 miles


Floor Rate is 2.49%
Minimum loan amounts per term: 60 months is $5,000; 27 months is $10,000; 84 months is $15,000

Standard (60 months or less)

3.74% – 16.24%

Extended (61-84 months)

4.74% – 17.24%

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

Get a 0.25% loan rate discount when you finance a SmartWay or SmartWay Elite designated vehicle with Trailhead. SmartWay® and SmartWay Elite vehicles are the highest rated clean and fuel-efficient vehicles as rated by the Environmental Protection Agency (EPA).

Visit to search for qualifying vehicles.

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.

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.

Apply for an Auto Loan

Complete our 5-minute online loan application.

Call us any time — 24 hours a day


Schedule an appointment with one of our Loan Officers.


Apply right at participating CUDL dealerships in Oregon and Washington.

Find a participating dealership

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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