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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Auto Loans at OU Credit Union
Whether you're looking for a new or used car, our auto loans offer low rates and flexible terms.

• Rates as low as 3.99% APR
• No application fee
• No prepayment penalties
• Flexible terms up to 84 months
ReadyLoan Check

Visit one of our participating dealerships to find your car and apply, or apply online. Click the "Add to Wallet" button below, within ComputerLine, the mobile app, by phone or at a branch.

(Please note, some dealerships are not currently accepting MSUFCU ReadyLoan Checks at this time. Please contact the dealership to confirm.)
Step #1 - Find Your Car
Search new or used cars, see what others paid for the same car in your area, and see how much you could save with OU Credit Union.
Step #2 - Apply
Apply for you Auto Loan online by clicking the "Add to Wallet" button above, within ComputerLine or the Mobile app, by phone or at a branch.
Step #3 - Get a Decision Fast
Applications can be reviewed in as little as 20 minutes. Receive your ReadyLoan Check and use it at the dealership up to 90 days after your loan approval.
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How do I apply for a vehicle loan?
Applications can be submitted online by logging into your account via ComputerLine and selecting "Apply for a Loan" or by logging into the Mobile App and selecting "Apply for a Credit Card or Loan". You are also welcome to contact us over the phone at 517-333-2424, contact us via Live Chat, or visit any OU Credit Union branch location.
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If I am approved, how do I pay the dealership?
Upon approval of an auto loan with OU Credit Union, and after receiving your signed MFLA form and any loan contingencies are met, you may choose a ReadyLoan Check which is a blank check you are able to complete to purchase your vehicle, or a cashier's check. Please note a cashier's check is required for auto loan refinances or if the vehicle currently has a lien placement. If you prefer a cashier's check, we will ask for the following information at that time:

• Vehicle identification number (VIN)
• Year, make, model and color of vehicle
• Current mileage
• Any additional special features the vehicle may have
• Dealership or seller's name and phone number

You will be able to provide the check type of your choosing to the dealership, or private seller, for the purchase of your vehicle.

(Please note, some dealerships are not currently accepting OU Credit Union ReadyLoan Checks at this time. Please contact the dealership to confirm.)
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How do I make payments to my loan?
There are several options available to make loan payments. We offer manual one time payments or automatic payments based on your preference, and you may pay from an internal OU Credit Union account or directly from another financial institution. Please note that if you have financed a vehicle through financing through the dealership prior to being a member, you will initially need to login to your new OU Credit Union account. Please reach out to a representative for assistance if needed.

Members can choose:

• Internal transfer from an OU Credit Union share using MoveMoney > Transfer Money in ComputerLine or the Mobile app. MoveMoney can also be used to schedule reoccurring payments from an OU Credit Union savings or checking account.
• Manual one-time payment from an external account which can be initially set up by going to MoveMoney > Manage Preferences > External Transfers/ACH Accounts
• Automatic recurring payments from another financial institution by completing an ACH Origination form which can be located on our website here
• Loan payment by mail. Loan payments should be mailed to:

Oakland University Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
Oakland University Credit Union
3777 West Rd.
East Lansing, MI 48823

To find your loan payoff amount please contact us for assistance.
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What interest rate do I qualify for? / What interest rate can I get?
You can view our current interest rates here. The term of the loan, and your Experian Credit Score, will affect the interest rate that we will be able to offer. We would be happy to review a full application over the phone at 517-333-2424, via Live Chat, in an OU Credit Union Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".
View All FAQs
Reviews
4.85 stars out of 5
4627 Member Reviews
5 stars out of 5
(4304)
4 stars out of 5
(169)
3 stars out of 5
(41)
2 stars out of 5
(28)
1 stars out of 5
(85)
Rate this Product
2022 Lincoln Nautilus
5 stars out of 5
This is a cool car. So mush technology!! Nice smooth quiet ride. Very nice large display screen and all controls very well placed. Shift keys were strange but you get used to them quickly.
Not impressed
3 stars out of 5
Lots of breakdowns and repairs
Chevy
5 stars out of 5
5 STARS
2021 Chevy Malibu LT Redline Edition
5 stars out of 5
Super sleek. Smooth ride. Excellent fuel efficiency.
Not in love
4 stars out of 5
Hydroplanes with heavy rain. Dislike the fact that it completely shuts off when stopped. I am sure it's wearing out the starter. Yes you can shut that off. But you have to do it every time you start the car. I would rather it be just the opposite.
APR is Annual Percentage Rate. Rates for vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member credit score.

Loan Payment Example: The monthly payment per $1,000 borrowed at 3.99% APR for a term of 36 months would require 36 monthly payments of $29.52 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

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