Auto Loans

Oswego County FCU is now providing a CARFAX1 Vehicle History Report™ to help protect our members from total loss, salvage, structural damage, and flood vehicles. As the most trusted provider of vehicle history information, CARFAX is used by millions of consumers each year. CARFAX Vehicle History Reports™ are available on all used cars and light trucks model year 1981 or later. Using the unique 17-character vehicle identification number (VIN), a CARFAX Report is instantly generated from their database of over eight billion records.


Every CARFAX Report contains information that can impact a consumer’s decision about a used vehicle. Some Types of information that a CARFAX Report may include are:

  • Title Information, including salvaged or junked titles
  • Flood damage history
  • Total loss accident history
  • Odometer readings
  • Lemon history
  • Number of owners
  • Accident indicators, such as airbag deployment
  • State emissions inspections results
  • Service records
  • Vehicle use(taxi, rental, lease, etc.)

A CARFAX Vehicle History Report purchased via the CARFAX website costs $39.99 for one vehicle. However if you request your CARFAX through OCFCU, your report only costs $10.00!

Even better, if you decide to buy a vehicle and finance through OCFCU, we will refund the cost of your report to you, Making it FREE!

Simply "Request A Report" and a Loan Officer will contact you shortly.

1 CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car.