Auto Loans

Before You Shop, Lock In A Fixed rate As Low As 2.49%APR*

Apply Now

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.

Once you have your loan, you can see all your Trailhead accounts in one place with our Mobile Banking app and Online Banking.

Estimate Your Monthly Payment

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


Trailhead Rewards

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 »

Specialized Auto Financing Options

Reduced Payment Auto Loans

Reduce your payments and get the benefits of conventional financing with the lower payments of leasing. Like a lease, you pay only for the depreciation of your vehicle while you use it. At the end of the term, you can choose to refinance and keep your vehicle, sell it, trade it in on a new one or simply turn it over to the Credit Union (subject to inspection and mileage).

• Lower monthly payments – up to 40% less than conventional loans

• No down payment required and no prepayment penalties

• Plenty of options for end of term: Refinance remaining balance and keep the vehicle; Sell it; Pay remaining balance in full; Trade it in; Return the vehicle

• Loan amounts up to $70,000

• Terms available up to 60 months

Calculate your payment and compare!

Opportunity Lending Program

If you have a troubled credit history, this program may provide financing options for you. Apply today to learn your payment and term options.

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

Apply for a new or used auto loan online.

Contact our 24-hour Member Service line to apply.

503-220-2592 | 800-942-9408

Schedule an appointment with one of our Loan Officers.

Apply right at participating CUDL dealerships in Oregon and Washington.

Find Participating Dealership

* 2.49% Annual Percentage Rate is the lowest available rate, reflects all possible discounts, and is accurate as of 6/1/17. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change. Estimated monthly payment example = $17.74 per $1000 borrowed (payment examples is based on 2.49% and a term of 60 months.

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 Trailheads’s.

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