Oriental Bank
Oriental Bank — conventional auto APRs from 5.29% (new) and 6.69% (used).
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Oriental Bank does not publish this on their public site. "No restriction" means Oriental Bank explicitly states no limit.
Overview
Oriental Bank, a Puerto Rico bank, publishes conventional auto financing from 5.29% APR (new) and 6.69% APR (used, up to 84-month terms) with financing available up to 100% of the vehicle's value for vehicles up to 10 years old.…
What’s great
- Refinancing and loan transfer options on its vehicle loan application
- Conventional auto APRs from 5.29% and 6.69%
- Terms up to 84 months
What to know
- The Oriental A+ products (5.39% new / 5.99% used) require an Empirica score of 660 or higher and include a residual, making them structured differently from a standard loan
- Minimum credit score for conventional loans is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.29% — minimum only; full range not published |
| Maximum vehicle age | 10 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Oriental Bank's own published materials. Rates, eligibility, and terms can change — verify directly with Oriental Bank before applying.
- [1]Autos — Oriental Bankhttps://orientalbank.com/personal/autosLast checked: October 2026
- [2]Vehicle Loan Application (PDF) — Oriental Bankhttps://orientalbank.com/documents/vehicle-loan-application.pdfLast checked: October 2026