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Routing Number: 272479663 Swift Code: MSUCUS44
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Freedom to Go Anywhere
Need a loan for a new car, RV, boat or motorcycle? Start with OU Credit Union. We'll get you preapproved in as little as 20 minutes, and you'll receive a ReadyLoan Check -- a blank check valid for 90 days, up to your preapproved amount. With your check in hand, you'll soon be in the driver's seat! We make the process stress-free and affordable for members across the country by offering flexible terms and rates that fit your budget.

Ready to apply?
Applications can be reviewed in as little as 20 minutes when applying by:

Live Chat
• Visiting one of our branch locations

Alternatively, you may also apply online by logging into your account via ComputerLine and selecting "Apply for a Loan". We review these applications in the order they are received, typically within 1-2 business days.

New and Used Auto Loan

Whether you're looking for a new or used car, our auto loan offers a low rate, and flexible terms up to 84 months.

Auto Refinance

Refinance your existing auto loan, which may help you lower your interest rate, decrease your monthly payment or pay off your car loan sooner.

Auto Lease

Would you like the flexibility to drive a new vehicle more often? Our lease option offers no application fees, terms up to 60 months, and flexible mileage options starting at 7,500.

RV Loan

Whether you're looking for a new or used motorhome, 5th wheel, travel trailer, or a camper we have a recreational vehicle loan to get you on the open road.

Motorcycle/Motorsport Loan

Our Motorcycle and Motorsport Vehicle Loans can be used for motorcycles (less than 600cc), snowmobiles, ATVs, and more. We offer low rates, and flexible terms up to 84 months.

Boat Loan

Hit the open water with a new or used boat or refinance your existing boat loan. Our boat loan features a low rate, and flexible terms up to 180 months.

Vehicle Loan Resources

We're here for you throughout every step of your vehicle loan journey. Here are some additional resources to help.

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". 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.
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.
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
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".
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