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.
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+
Floor Rate is 2.49%
Up to 84 months
6.74% – 18.00%
Estimate your monthly payment
Use our handy calculator to answer the question, “How much will my loan payments be?”
Trailhead members with existing accounts can use Trailhead Rewards points to reduce their rate on an auto loan by 0.25%.
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:
- Electric Vehicle (EV)
- Partial Zero Emissions Vehicle (PZEV)
Save 0.25% off your auto loan rate when you have your payments automatically deducted from your Trailhead checking account.
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. »
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. »
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
Visit any of our branches:
221 NW 2nd Ave, Ste 100 | Portland, OR 97209
3904 N Mississippi Ave | Portland, OR 97227
3354 SE Division St | Portland, OR 97202
Apply right at participating CUDL dealerships in Oregon and Washington.Find a participating dealership