Colorado Auto Loans | Recreational Vehicles, Motorcycle, Trailer, and Power Sport
The adventures aren't waiting. Why should you?
Get pre-approved for the adventure vehicle of your dreams or spend less financing the one you already have.
Save time with refreshingly fast approvals.
I'M READY TO GET APPROVED CALCULATE THE BEST FIT FOR YOU
Have questions you want to ask first? Give us a call at 303.279.6414 or request to connect online.
REQUEST A CONSULTATION
MOTORCYCLE AND POWERSPORTS
as low as
8.99% APR*
48 Month Term**
RECREATIONAL VEHICLES
as low as
9.49% APR*
60 Month Term***
Terms Up To 84 Months On Motorcycles and Powersports
(Motorcycles, ATVs, Dirt Bikes, UTVs, Snowmobiles)
Terms Up To 180 Months On Recreational Vehicles
(Travel Trailers, 5th Wheels, Campers, Utility Trailers, Boats)
Discounts are applied for setting up automatic payments and financing less than 80% of your vehicle's value.
Have a quote elsewhere? We'll review to match or beat the rate so you can save even more.
Questions on what rate you might qualify for?
Give us a call at 303.279.6414.
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.
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STEP 1: CALCULATE THE BEST FIT FOR YOU
Take some time to review your budget and consider what you can spend each month. Be sure to include room in your budget to save for unexpected expenses and maintenance costs.
STEP 2: APPLY IN MINUTES AND GET PRE-APPROVED
Apply online in less time than it takes to finish your favorite beverage. 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 adventure vehicle for you.
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 3: SHOP SMART AND SAVE MORE WITH MEMBER BENEFITS
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Looking to save even more money and time on your purchase? Your benefits as our member include discounts on a wide inventory of vehicles from big to small. Sign up for Love My Credit Union Rewards to check out what's in stock and get the very best price on your new adventure vehicle.
STEP 4: 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.
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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
What do I need to apply?
To best prepare for completing your application quickly, we recommend collecting as much of the following documentation as possible in advance. After you have applied, hold on to these documents so you can reference back to them conveniently if needed.
For All Auto Loan Requests and Pre-Approval You Will Need:
Valid Government Issued ID For All Borrowers
Auto Insurance Policy Information
Proof Of Income:
- Two Most Recent Pay Stubs if Employed
- Two Years Tax Returns if Self-Employed
- Award Letter for Social Security or Disability Recipients
To Complete A Refinance You Will Also Need:
Current Mileage (if applicable)
Current Vehicle Registration Card
10-Day Payoff Statement From Your Current Financial Institution
To Complete A Dealer Purchases and Lease Buyouts You Will Also Need:
Buyers Order/Purchase Agreement Signed By The Dealership
To Complete A Private Seller Purchases You Will Also Need:
Current Mileage (if applicable)
A Copy Or Photo Of The Title Front And Back
Valid Government Issued ID For All Sellers Listed On The Title
Is there a minimum required credit score to qualify?
No, there is no minimum credit score required to qualify! At On Tap Credit Union, we don't put a minimum credit score cap on who we can help. We have options for any score on the spectrum so we can stay focused on crafting solutions around what you can responsibly afford. If your credit is holding you back from accomplishing your goals in life, we'll also help you craft a plan to get your score climbing to new heights.
Do I need GAP?
Guaranteed Asset Protection (GAP) is designed to help protect your credit and savings by ensuring that your loan balance is covered in the event your vehicle is totaled and insurance does not cover the full balance of your loan. Since vehicle values can depreciate quickly, GAP can help to save you from paying out of pocket or rolling negative equity into your next vehicle loan if the actual cash value insurance pays is less than your remaining balance.
Speak with your Financial Advocate to decide if GAP is right for you. If you paid a large down-payment or your balance is well below expected depreciation, you may not need GAP with your loan.
Do I need to let my insurance company know that I am financing with On Tap?
Yes, after you receive your approval for financing, you will need to let your insurance company know so they can register On Tap as your new financial provider, also referred to as the lien holder. When your loan is closed, your insurance company will need to provide us with your updated declaration page listing On Tap as your lien holder for the vehicle. In the event your vehicle is totaled, this ensures that your insurance company has our proper information on file to pay off your loan.
Still have questions about completing your financing?
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 discount. Some rates based on credit score. Federally Insured by the NCUA
**APR is based on qualified credit, 80% LTV (Loan-to-Value), 48-month term and enrollment in auto pay. For example, a PowerSports loan with a balance of $10,000 with a 9.24% APR for 48 months would result in an estimated monthly payment of $251.18.
***APR is based on qualified credit, 80% LTV (Loan-to-Value), 60-month term and enrollment in auto pay. For example, a RV loan with a balance of $10,000 with a 9.49% APR for 60 months would result in an estimated monthly payment of $209.97.
Other discounts, rates and terms are available. Some restrictions may apply.