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Consumer Loans

Cars, Trucks, Vans, or SUVs we finance them all to fit your needs!  New and used auto financing is available. Terms range from 12 months to 84 months. Rates are determined by credit score, term, and age of collateral. Loans are subject to approval and restrictions do apply.

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In addition to our competitive loan rates, we offer additional insurance products to protect your valuable investment.

*APR = Annual Percentage Rate.

By land, sea, or open road, we offer financing for new or used Motorcycles, Boats, and RVs so you can get out and go! Rates are determined by credit score, term, and age of collateral. Loans are subject to approval and restrictions do apply.

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Whether you find a great deal, want to take a trip, or need a little cash in a pinch, we’ll get you the cash you need in a cinch! We offer a variety of personal loans with several financing options. Rates are determined by loan type, credit score, and term. Loans are subject to approval and restrictions do apply.

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Credit Card Options

OHCU’s Visa Platinum Credit Card*
Variable interest rates as low as 9.49% up to 17.99%**:    

  • Credit Limits as low as $500 to $15,000 (based on income and credit/restrictions apply)
  • Variable rate tied to the Wall Street Journal Prime Interest Rate
  • This credit card is a no-frills/no-rewards/lower interest rate/local credit card program.
  • OHCU is able to offer lower than average variable interest rates on its Visa Platinum credit card because we service it in house and do not offer costly rewards programs for our Visa Platinum credit card

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*OHCU Visa Platinum Cards are subject to approval and restrictions do apply
** Interest rate based on credit score

OHCU’s Visa Platinum – Balance Transfer Fees:

  • Currently waiving 3% Balance Transfer fee!  The standard balance transfer fee is 3% of the amount of each transfer specified in your Consumer Credit Card Agreement.
  • Information regarding the terms related to a balance transfer can be found in your Consumer Credit Card Agreement and Credit Card Account Opening Disclosure.
  • You cannot avoid interest on new purchase you make unless you pay your entire balance in full each month. 
  • A fee is assessed each time a payment or a balance transfer check is declined or returned because of insufficient available credit. 

Methods of and Completing Balance Transfers on OHCU’s Visa Platinum Credit Card:

  • You can initiate a balance transfer coming into a local OHCU branch location and working with a Branch Service Representative.  You can also initiate a balance transfer by calling OHCU or via OHCU Online Banking.
  • It takes approximately 7 to 10 business days to process a balance transfer request.  This is customary processing times in the Visa Platinum business model with all lenders.  You should allow additional time for the creditor to receive the funds and credit your other account.  Please continue to make payments to your other creditor to avoid late fees.
  • We will begin charging interest on balance transfers as of the later of the transaction date or the first day of the billing period in which the transfer posts to your account.

Which accounts are eligible to transfer to my OHCU Visa Platinum Credit Card:

Eligible accounts include, but are not limited to:

Credit Cards

  • Visa (other than OHCU Visa Platinum Credit Cards)
  • MasterCard
  • American Express
  • Department Store Cards
  • Gas Cards

Loans Originated From Another Financial Institution

  • Auto Loans
  • Personal Loans
  • Home Loans
  • Student Loans
  • Home Equity Loans

Visit any of the dealers listed below and identify yourself as an Old Hickory Credit Union member. We’ve hand-picked our dealer/partners so you can expect great service and a wide selection of both new and used vehicles.

Be sure to tell them you want OHCU financing!  You’ll be able to close your loan with OHCU right there at the dealership.

Afterwards be sure to contact us to set up any automatic loan payments to give you the ease of mind that your loan will always be paid on time.

Auto Spot Dealers
Name Address Map Link Phone
Absolute Auto Center
view website
415 SE Broad Street
Murfreesboro TN 37129
Map 615-217-6767
Americar of Rivergate
view website
1468 Gallatin Pike North
Madison TN 37115
Map 615-868-1000
Angel Motors
view website
178 N Lowry Street
Smyrna TN 37167 
Map 615-267-0590
Auto Collection of Murfreesboro, Inc.
view website
363 SE Broad St
Murfreesboro TN 37130
Map 615-624-8470
Auto Max
view website
14137 Lebanon Rd
Old Hickory, TN 37138
Map 615-773-2500
Auto Village, LLC
view website
347 S Maple Street
Lebanon, TN 37087
Map 615-443-0912
Auto World of Nashville
 view website
15153 Lebanon Rd
Mt Juliet, TN 37122
Map 615-754-2277
Autobahn South
view website
5648 Franklin Pike Circle
Brentwood, TN 37027
Map 615-376-3550
Bates Ford Inc.
view website
1673 W. Main St
Lebanon, TN 37087
Map 615-444-8221
Beaman Buick GMC
view website
1531 Broadway
Nashville, TN 37203
Map 615-251-8400
Beaman CDJR
view website
1705 S Church St
Murfreesboro, TN 37130
Map 615-895-5092
Beaman Ford
view website
1717 Tn Hwy 46
Dickson, TN 37055
Map 615-446-2308
Beaman Toyota
view website
1525 Broadway
Nashville, TN 37203
Map 615-251-8400
view website
1023 West Main,
Hendersonville, TN 37075
Map 615-822-9711
Crencor Truck and Van Superstore
view website
775 Rivergate Pkwy
Goodlettsville TN 37072
Map 615-859-9400
Dixie Motors Inc.
view website
725 Murfreesboro Pike
Nashville, TN 37210
Map 615-256-2277
Downtown Nashville Nissan
view website
25 Vantage Way
Nashville, TN 37228
Map 615-248-5100
Freeland Chevrolet 
view website
5333 Hickory Hollow Pkwy
Antioch, TN 37013
Map 615-731-3000
Gallatin Honda
view website
2109 Nashville Pike
Gallatin, TN 37066
Map 615-461-2000
Global Motorsports Belle Meade
view website
5210 Harding Road
Nashville, TN 37205
Map 615-353-9333
Grays Auto Unlimited
view website
1515 W Main St
Lebanon, TN 37087
Map 615-444-7080
Gupton Motors 
view website
3450 Tom Austin Hwy
Springfield, TN 37172
Map 615-384-2886
Hallmark Hyundai
view website
1198 West Main St
Hendersonville, TN 37075
Map 615-855-3200
Hallmark Volkswagen
view website
2431 Gallatin Rd N
Madison, TN 37115
Map 615-859-3200
Lexus of Nashville
view website
1514 North Gallatin Rd
Madison, TN 37115
Map 877-358-0707
Miracle Chrysler Dodge Jeep Ram, Inc.
view website
1290 Nashville Pike
Gallatin, TN 37066
Map 615-452-2792
Miracle Ford
view website
1394 Nashville Pike
Gallatin, TN 37066
Map 615-452-5267
Motorcars of Nashville, Inc.
view website
203 Athens Dr
Mount Juliet, TN 37122
Map 615-773-9200
Motorkings of Nashville
view website
1405 Lebanon Pike
Nashville, TN 37210
Map 615-982-6988
Music City Autoplex
view website
2430 Gallatin Pike North
Madison, TN 37115
Map 615-431-5380
Newton Nissan of Gallatin
view website
1461 Nashville Pike
Gallatin, TN 37066
Map 615-451-6827
Nissan of Cool Springs
view website
212 Comtide Ct
Franklin TN 37067
Map 615-790-2500
Nissan of Rivergate
view website
1550 Gallatin Pike N
Madison, TN 37115
Map 615-865-7220
Paul's Trading Station
view website
12641 Lebanon Road
Mt. Juliet, TN 37122
Map 615-754-0555
Payne Chevrolet Inc
view website
2807 Memorial Blvd
Springfield, TN 37172
Map 615-384-5573
Perkins Motor Plex
view website
PO Box 5332
Mayfield, KY 42066
Reiselman Buick GMC
view website
2516 Memorial Blvd
Springfield, TN 37172
Map 615-384-3559
Rhythm Chrysler Dodge Jeep Ram
view website
2210 Gallatin Pike N
Madison, TN 37115
Map 615-859-0000
Rivergate Toyota
view website
1520 Gallatin Pike North
Madison, TN 37115
Map 615-860-1813
Rob.Co. Automotive, LLC
view website
2300 Memorial Blvd
Springfield TN 37172
Map 615-380-8758
Serra Chevrolet Buick GMC
view website
2340 Gallatin Pike N
Madison TN 37115
Map 615-851-8000
Speedway Motors, Inc.
view website
103 SE Broad St
Murfreesboro TN 37130
Map 615-904-9303
Stargate Auto Sales of Mufreesboro
view website
1634 NW Broad St
Murfreesboro, TN 37129
Map 615-622-7827
Subaru of Gallatin
view website
1395 Nashville Pike
Gallatin, TN 37066
Map 615-989-7870
Town & Country Ford
view website
101 Anderson Ln
Madison, TN 37115
Map 615-865-1280
Toyota of Gallatin
view website
1435 Nashville Pike
Gallatin, TN 37066
Map 615-230-9000
Tracy Langston Ford
view website
3264 Tom Austin Hwy
Springfield TN 37172
Map 615-382-7950
Two Rivers Ford
view website
76 Belinda Pkwy
Mount Juliet, TN 37122
Map 615-889-9215
United Auto Sales and Leasing
view website
5581 Murfreesboro Rd
Lavergne, TN 37086
Map 615-582-1550
Velocity Motorcars Nashville
view website
720 Airpack Center Dr
Nashville, TN 37217
Map 615-540-1675
Wholesale Inc. of Mount Juliet
view website
8037 Eastgate Blvd
Mt Juliet TN 37211
Map 615-449-0874
Wilson County Motors
view website
903 South Hartmann Drive
Lebanon, TN 37090
Map 615-444-9642
Wilson County Hyundai
view website
1310 W Main St
Lebanon, TN 37087
Map 615-444-5564


See Terms and Charges