Car Loans

When you start thinking about buying your next vehicle, let us help. We offer great rates on loans for new and used cars.

Advantages of borrowing from Virginia Credit Union

• Low rates
• Affordable payments
• Easy application online or by phone, 24 hours a day, or at a participating auto dealer
• Fast loan processing
• Finance up to 100% of the vehicle value for qualified borrowers*
• .25% APR discount for payments by payroll deduction or automatic transfer from your credit union or bank checking account
• .25% APR discount if you have a credit union checking account, qualifying combined balances, and participate in a Relationship Package

More about car loans

• New and used car loans
• New car financing with approximate terms up to 84 months for qualifying vehicles – call for details
• Refinancing of car loans from other higher-rate lenders
• Monthly or semi-monthly payments

Guaranteed Asset Protection (GAP)
This protects you when a gap exists between the actual value of your vehicle and the amount of money owed on it.

Loan protection insurance
To protect you and your family from a financial burden, optional term life insurance and disability insurance for loans are available at a reasonable cost. Learn more about loan protection insurance or ask for details when you apply for your loan.

Five easy ways to apply for a car loan

• Apply online
• Apply over the phone, 24 hours a day, 7 days a week
• Apply at any branch
• Apply at a participating car dealer
• Apply by mail — print an application and return it by mail or fax it to us at (804) 267-5408

Contact us and we'll be glad to answer any questions you may have about car pricing, loan alternatives, rates, and the application process.

*The value of the vehicle is based on the MSRP or the retail value as determined by a credit union approved source.