OU Credit Union does have limitations regarding the year of the vehicle we are able to finance. The model years accepted depends on the type of collateral that is being secured. Automobiles, Motorcycles (over 600cc) and Motorsports have a maximum of 15 model years. Recreational Vehicles and Boats have a maximum of 20 model years. We offer loans for brand new vehicles, used, and classic vehicles. However, the year of the vehicle, and the value of the vehicle, will affect the term length that we will be able to offer upon approval of a loan and an appraisal may be required