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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

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.

 
Related Information
Car Loan Calculators
Guaranteed Asset Protection (GAP)
Consumer Resources
CARFAX® Vehicle History Reports
Credit Union Car Loans at Dealers

Virginia CU Insurance Services

What Members Are Saying
"I would encourage any and everyone to use the Virginia Credit Union. The interest rates are great and so is the service."
— G.

How GAP Could Help You
A member recently "totaled" her car. She was worried that she wouldn’t qualify for another car loan because she still owed a balance on her loan after the insurance company had made their payment.

Fortunately, this member had purchased Guaranteed Asset Protection (GAP) when she applied for the loan. GAP paid off her remaining loan balance and she was able to afford a new car!

Please contact us to learn more about low-cost GAP coverage for your vehicle.