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New cars
Conventional loan at 60 months from
5.29% APR 1
- MSRP starting at $18,000 with a maximum term of 84 months
- Up to 100% financing available
- Available for new and used vehicles
- Available for Individuals and Corporations
- Terms up to 84 months
- Up to 100% financing
Offer 2
Oriental A+ loan at 60 months from
5.39% APR 1
- It is not a lease
- Car registered in your name, lowering costs when compared to a lease
- Available for Individuals and Corporations
- Financing available for new and used cars3
- Term up to 66 months
- Residual up to 35%, decreasing monthly payment4
- Free choice of insurance coverage
- No origination fee or early termination penalty
- No origination or pre-paid fees, which represents a saving to the client
- Contribute to the principal with no early termination fees or penalties
- At the end of the term, you can exchange the vehicle for a new one, refinance the debt or pay the residual in full
- Applies only to customers with a credit score of 660 or higher
Conventional loan at 84 months from
6.69% APR2
- Maximum term of 78 months on current year vehicles
- Financing for vehicles up to 10 years after manufacture
- Available for new and used vehicles
- Available for Individuals and Corporations
- Terms up to 84 months
- Up to 100% financing
Offer 2
Oriental A+ loan at 66 months from
5.99% APR 2
- It is not a lease
- Car registered in your name, lowering costs when compared to a lease
- Available for Individuals and Corporations
- Financing available for new and used cars3
- Term up to 66 months
- Residual up to 35%, decreasing monthly payment4
- Free choice of insurance coverage
- No origination fee or early termination penalty
- No origination or pre-paid fees, which represents a saving to the client
- Contribute to the principal with no early termination fees or penalties
- At the end of the term, you can exchange the vehicle for a new one, refinance the debt or pay the residual in full
- Applies only to customers with a credit score of 660 or higher
Get guidance by talking to our representatives.
- Valid ID
- Must be of legal age (21) or legally emancipated
- Recent paystubs and employment verification
- Residential address evidence
(e.g. LUMA, AAA, Dish, Liberty, Residential Claro) - Self-employed: Certified tax forms or financial statement, with three bank statements
- Last three company bank statements
- Tax forms certified by a CPA (Company and Guarantors)
- Corporate resolution
- Business Tax ID
- Certificate of Incorporation
- Certificate of Good Standing
- Articles of incorporation or "By Laws"
- Employment verification and guarantor's recent salary
How do I obtain a Loan Certification?
How do I request my tax informative copy?
- The specific terms of financing
- Annual Percentage Rate (APR) and contract term
- The dollar amount of each monthly payment
- Negotiated price with the vehicle's seller
- Who is my insurer, and what are the terms of the insurance purchased
What type of identification must I present when applying for an auto loan?
You may present one of the following options:
- Driver's license issued by the U.S. government or its territories
- Passport or passport card issued by the U.S. government
- Identification card (ID Card) issued by the U.S. government or its territories
Note: These documents must be valid and cannot be expired.
What is the difference between Oriental A+ and a traditional lease?
Unlike a lease, where you rent the car for a monthly payment, with Oriental A+ you are buying the car, for which you leave a residual of the loan to pay at the end of the term. This type of financing reduces the monthly payment, with the commitment that you cover the residual at the end of the term.
There are several ways to make your payment:
- Through the Service portal.
- Through a direct payment from a deposit account in Oriental or an automatic payment from a deposit account of any banking institution.
- Call us at 787-777-7171 Monday through Friday from 7:30 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm.
- Through our live teller machines or our branches.
Mandatory
(1) Subject to credit approval. Certain terms and conditions apply. The Bank reserves the right to change APRs (Annual Percentage Rates) without prior notice. Rate examples apply to customers with an 810-credit score or higher with an excellent credit history (0,0,0). Rate examples include a discount for voluntarily enrolling in automatic payments (ACH); if the customer does not enroll, the rate will increase by 0.25% from the advertised rate. Other rates apply to other credit experiences according to the parameters and criteria established by Oriental Bank.
(2) A 66-month term on Oriental A+ applies to current-year used cars and 84-month term on conventional products applies to current-year used vehicles.
(3)Oriental A+ product is available for new cars with an MSRP starting at $22,000 and for used cars from $24,999.
(4)The selected rate is not guaranteed and may vary depending on the vehicle’s brand and model.
- Monthly payment
- Maximum payment
