Vehicle Loans

The car you need at the price you want.

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  • 90 Days No Payments on Auto Refinances!
  • Get pre-approved before going to the dealer
  • Access to Pathways Car Buying Service, Powered by TrueCar©
  • Fast and local decisions
  • Competitive interest rates
  • Flexible financing terms
  • Finance directly at select Central Ohio dealerships
  • Low-cost credit life, extended warranty, credit disability, and GAP insurance
  • Technology tools to check your balance
  • Pay through payroll deduction, direct deposit, or online/mobile banking

Vehicle, Boat, and VR Loans Rates

Account Type
Terms / Information
New Auto
Terms/Information: as low as
APR: 3.11%
Used Auto
Terms/Information: as low as
APR: 3.86%

*APR=Annual Percentage Rate. Loan approval, APR, downpayment and other terms and conditions are based on LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), and the term of the loan. Rates may be higher when refinancing an existing Pathways or Incenta loan. Other restrictions may apply. Applicants must be members of Pathways or affiliated institutions. The advertised APR is current as of 2/18/2021. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the credit union agreements and applicable law. See credit union representative for details.

See Rates page for full rate disclosure details.

Account Descriptions

Account Type
Additional Information


If you’re in the market for an auto loan, make Pathways your first stop. Our auto loans are one of our most popular products because our members love getting a great deal. First time buying a car? View a helpful video on how auto loans work!

Benefits of a Pathways loan:

  • Fast and local decision-making
  • Financing terms up to 85-months
  • Low-cost credit life, credit disability, and GAP insurance
  • 100% financing available
  • No pre-payment penalties
  • Technology tools that make checking your vehicle loan balance both simple and convenient
  • Options available to pay your vehicle loan through payroll deduction, direct deposit, or transfer from your Pathways account or other account via ACH.
  • Your loan stays local. Pathways will never sell the servicing of any loan to another financial institution.
  • Exclusive member benefitauto insurance savings through TruStage Insurance*

When “Just Looking…” turns into “Let’s Buy!”
When you’re ready…we’re ready. Even if we’re not open, you can finance at the dealership. Just follow these simple steps:

  • Pick out your perfect vehicle
  • Tell the salesperson you want to finance through Pathways
  • Quickly complete the loan process right at the dealership!


You might be saying, “But I already have a great vehicle…”

We’re glad you do! But does it have the best interest rate? Refinance your auto loan at another institution with Pathways to get all the benefits and a lower monthly payment! We offer fast and convenient ways to apply online, in person, or over the phone in less than 15 minutes. You could save hundreds doing it! First time buying a car? View a helpful video on how auto loans work!

Pathways Car Buying Service with TrueCar


Save Time and Money

Take the stress out of buying a car. If you’re in the market for a new or used vehicle, start your search with the new Pathways Car Buying Service, powered by TrueCar. It makes car buying easier and friendlier, giving you a no-hassle buying experience that guarantees you savings on your vehicle purchase price so you never overpay.