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Vehicle Loans

Get instant loan approval
before you shop for your next vehicle

Whether you're buying a car, truck or motorcycle, an RV or an ATV, On Tap provides low-cost financing for new and used personal, recreational and power sport vehicles. 

Click below to submit a quick and easy application to purchase from a dealer or private seller, or to refinance your current auto loan. 

Purchase from a Dealer
On Tap Members, click below to apply. Once you're approved, go to the dealer of your choice and ask for On Tap Credit Union financing.

Not a Member Yet? Click below to join the On Tap community.
Private Purchase or Refinance
Apply for a private purchase vehicle loan or to refinance your vehicle.


Protect Your Vehicle Loan and Your Credit
We offer additional plans to help protect your vehicle, your loan and your credit.
  • Extended warranties to cover major mechanical breakdown expenses:
    No matter where you travel in the U.S., with a warranty you’re protected against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. All plans include Rental Car Allowance and 24/7 Emergency Roadside Service. The Extended Warranty provides comprehensive coverage for virtually any make and model of vehicle.
    • Mechanical Repairs
    • Flat Tire Assistance
    • Battery Jump Start 
    • Lock-Out Service
    • Towing
    • Transferable
    • 30-Day Money-Back Guarantee
  • Guaranteed Asset Protection (GAP) to cover you in the case you total your vehicle.
  • Loan Protection (Learn More)
The warranty and GAP offered are not a deposit and are not federally insured by NCUA.  Neither the warranty nor GAP are guaranteed by the credit union nor an obligation of the credit union.
“I went to three different credit unions to apply for an auto loan. Being military and a student I had a hard time finding someone to approve me. On Tap got me approved at a lower rate than what I was expecting and made the process simple.”
Austin K. , Member Since 2017

Recreational Vehicle Loans

Accelerate your fun year-round!

On Tap Credit Union offers financing for all types of recreational and Powersport vehicles, including RVs, ATVs, boats, jet skis, dirt bikes, motorcycles, camping trailers, fifth wheels and more.

Purchase From A Dealer
On Tap Members, click below to apply and start down the road to some more fun in your life!

Not a Member Yet? Click below to join the On Tap community.
Private Purchase or Refinance
Apply for a private purchase recreational vehicle loan or to refinance your vehicle.

Protect Your Vehicle Loan and Your Credit
We offer additional plans to help protect your vehicle, your loan and your credit.
  • Extended warranties to cover major mechanical breakdown expenses:
    No matter where you travel in the U.S., with a warranty you’re protected against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. All plans include Rental Car Allowance and 24/7 Emergency Roadside Service. The Extended Warranty provides comprehensive coverage  for virtually any make and model of vehicle.
    • Mechanical Repairs
    • Flat Tire Assistance
    • Battery Jump Start
    • Lock-Out Service
    • Towing
    • Transferable
    • 30-Day Money-Back Guarantee
  • Guaranteed Asset Protection (GAP) to cover you in the case you total your vehicle.
  • Loan Protection (Learn More)
The warranty and GAP offered  are not a deposit and are not federally insured by NCUA. Neither the warranty nor GAP are guaranteed by the credit union nor an obligation of the credit union.











Protect yourself and your family by getting loan protection on your auto loans and credit cards

On Tap Credit Union's Loan Protection provides peace of mind that your loans are secure in case of an unforeseen event that could impact your ability to make your payments. 

With Loan Protection, your loan payments are made for you if you can't make them yourself.

You can add Loan Protection to your On Tap Credit Union auto loans, credit cards, lines of credit, personal loans and deposit-secured loans. Should an unfortunate situation occur and you cannot make your loan payments, Loan Protection:

  • Helps protect you and your family against financial hardship
  • Helps protect your good credit rating
  • Reduces the financial burden on your family should you become disabled, lose your job or become deceased
  • Is easy to enroll in and has simple eligibility requirements
  • Can protect up to two borrowers per loan
You can also customize your Loan Protection package to any one of these options:

  • Life
  • Life and Disability
  • Life, Disability, and Involuntary Unemployment 
This is a summary of our Loan Protection program. Learn more here.

Enrollment in the program is voluntary and not required to obtain a loan. Loan Protection is a debt cancellation product available through On Tap Credit Union. Please contact your On Tap Credit Union loan representative for additional information on benefit maximums, eligibility and limitations. As of January 10, 2014 On Tap Credit Union no longer offers Loan Protection on Home Equity Loans.






















curvy open road

the open road is calling you -
is it time to answer?  

Why did I receive a notice
about providing proof of insurance?

Your loan agreement requires you to maintain comprehensive and collision coverage on your vehicle for the term of your loan. We require that you provide us evidence that you have obtained acceptable insurance coverage as outlined in the loan agreement by providing  an Insurance Declaration showing the following:

  • Comprehensive AND Collision Coverage
  • Deductibles for comprehensive and collision (not exceeding $1,000)
  • Credit union listed as loss payee/lien holder as follows:
    On Tap Credit Union
    816 Washington Avenue
    Golden, CO 80401-1095
  • Correct collateral description, including the year, make, model and complete VIN
  • Borrower/Insured name
  • Insurance company name
  • Policy number
  • Coverage effective/renewal date

Let us help you!

Click on the link below and provide the requested information, which will allow us to assist you in verifying your insurance coverage. 

www.autopilotinsurance.com/ontapcu

Tina Wickes in golden branch
Tina Wickes, Lending Manager

Contact us to open your account today!



Take a look at our rates!