Colorado Auto Loans And Rates | Vehicle Purchase
Enjoy More Time In Your New Vehicle And Less Time Financing It
Save time with refreshingly fast approvals.
GET YOUR PRE-APPROVAL STARTED CALCULATE WHAT YOU CAN BUYHave questions you want to ask first? Give us a call at 303.279.6414 or request a call from our experts.
HERE'S WHAT YOU CAN EXPECT WITH ON TAP
Expert Guidance
Speedy approvals and professional guidance from purchase to registration and beyond.
Flexible Payments
Choose your own term and payment date to fit your schedule.
Vehicle Protection
Safeguard your investment with insurance and enhanced protection.
Have a quote elsewhere? We'll review to match or beat the rate so you can save even more.
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STEP 1: LEARN WHAT YOU NEED TO SUCCEED
5.00% APR*
48 Month Term
With Automatic Payments From An On Tap Credit Union Account Or Financing 80% of Value or Less
5.00% APR*
60 Month Term
With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less
5.00% APR*
96 Month Term
With Automatic Payments From An On Tap Credit Union Account And Financing 80% of Value or Less***
*** Minimum Loan Amount - $40,000
Must be under 1 year old with less than 10,000 miles.
Must be under 1 year old with less than 10,000 miles.
Terms Up To 96 Months Available
Up To 180 Months For Recreational Vehicles And Boats
Questions on what rate you might qualify for? Give us a call at 303.279.6414 or request a call from our experts.
YOU DON'T HAVE TO CLIMB A MOUNTAIN TO GET EVERY ADVENTURE STARTED
STEP 2: CALULATE YOUR PURCHASE
Take some time to review your budget and consider what you can spend. Be sure to include room in your budget to save for unexpected expenses and maintenance costs.
CALCULATE WHAT YOU CAN BUYAlready found the vehicle you want to purchase? Check the value here with NADA.
STEP 3: APPLY IN MINUTES AND GET PRE-APPROVED
Craft your loan to fit your budget and get your financing established before you shop for a faster turn-around once you find the right vehicle for you. Apply online in less time than it takes to finish your favorite beverage.
Prefer to get started with one of our experts? Give us a call at 303.279.6414 or request a call from our experts.
STEP 4: SHOP SMART AND SAVE MORE WITH OUR PARTNERS
Looking to save even more money and time on your purchase? Our auto-buying partners offer more discounts and a wide inventory of vehicles from big to small. Check out what they have in stock and get the very best price you'll find in Colorado.
SEE INVENTORY AND MEET OUR PARTNERSSTEP 5: PROTECT AND INSURE YOUR NEW INVESTMENT
Guaranteed Asset Protection (GAP)
Protect your credit and savings by making sure your balance is covered if your vehicle is totaled.
Extended Warranty
Save money, time, and the headaches of handling maintenance and repair costs.
Credit Life and Disability Insurance
Safeguard the balance of your loan in the event of death and protect payments in the event of disability.
Never overpay for auto insurance again.
Compare quotes from over 40 providers in minutes to ensure you have the lowest rate for the best coverage.
On average, On Tap Insurance Agency saves our members over $680 a year on their auto insurance policies.
Frequently Asked Questions
How do auto loans work at On Tap Credit Union?
On Tap Credit Union offers flexible financing for new and used vehicles with transparent rates and no dealer markups. Apply online, get pre-approved, choose your vehicle, and enjoy clear monthly payments that fit your budget.
What credit score do I need to get approved for a car loan?
There is no strict minimum credit score required. We review your complete financial situation, including income and debt, and provide options tailored to many credit backgrounds.
How much can I get pre-approved for?
Your pre-approval amount depends on your credit, income, and debt-to-income ratio. Getting pre-approved upfront helps you shop confidently and avoid costly dealer financing surprises.
Are On Tap auto loan rates lower than dealership financing?
Often - Yes! Dealerships may add markups to loan rates. On Tap offers competitive, transparent rates with no hidden fees, and we can review outside offers to match or beat when possible.
Do I need a down payment?
A down payment isn’t always required, but it can reduce your monthly payment and total interest. Many members qualify with no down payment depending on their credit and vehicle choice.
What loan terms are available?
We offer a range of terms up to to 96 months. Shorter terms save on interest; longer terms lower monthly payments. Choose the plan that fits your financial goals.
Can I use an On Tap auto loan at any dealership or for private-party sales?
Absolutely. Our loans work for dealership purchases, private-party sales, and more. Private-party purchases may require additional documents, but we can help guide you through each step of the way.
What documents do I need to apply?
You’ll need ID, proof of income, insurance, and vehicle details. If you’re not sure what you’re buying yet, apply for pre-approval first - no vehicle details required!
How fast is approval?
Many applications receive a decision within minutes. Pre-approval helps speed up the buying process and gives you stronger negotiating power at the dealership.
Do I need to be a member?
Yes, membership is required to close the loan, and becoming a member is quick and easy. Membership is not required to apply for pre-approval. In most cases, you can become a member and complete your auto loan in the same session.
Additional Resources For Your Purchase
Preparing For Your First Purchase
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Still have questions about financing your purchase?
Contact us to get started at 303.279.6414 or request a call or email back.
*APR = Annual Percentage Rate. Rates subject to change without prior notice. Rate received based on individual's credit history. Rates quoted are the lowest available rate to our customers with the automatic payment from an On Tap Credit Union account discount and an additional discount for financing less than 80% of the vehicle value. Rates based on credit score. Federally Insured by the NCUA
** Auto loan floor rate is as low as % APR. Terms vary by vehicle type and amount financed. Loan qualification and (APR) Annual Percentage Rate based on individual credit worthiness. A $10,000 loan for 48 months at % APR would result in a monthly payment of $234.80. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Rates are subject to change. Finance charges begin at initial open date of loan.