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Loans

Great rates, low fees, and peace of mind to make the best financial choices — and the most out of every day.

Car Loans

Home Loans

Personal Loans

Car Loans

When you’re ready to buy or refinance a car, truck, or SUV, we can help with a low-rate loan. 

Learn more about car loans Apply now
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Rates as low as

4.99

?

Home Loans

Buying a home is one of the biggest financial decisions you’ll make in life. It doesn’t have to be a big hassle.

Home Purchase

Home Refinance

Today’s rates

Learn more about home loans
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Rates as low as

5.735

?

Home Equity Options

Put the money you’ve invested in your home to work for you, with either a home equity loan (lump sum) or home equity line of credit (use whenever you need it).

Home Equity Loans

Home Equity Lines of Credit

Learn more about equity options
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Home equity loan

rates as low as

7.50

?

Personal Loans

Receive a lump sum that helps you pay for larger purchases when you need money quickly. We also offer special lending for personal lines of credit.

Personal Loans

Personal Lines of Credit

Learn more about personal loans
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Personal loan rates as low as

7.74

with a loan amount of $10,000
or more and a 48 month term.?

RV, Boat and Motorcycle Loans

Our affordable options help you get on the road–or water–faster, while taking your money as far as it can go.

Learn more about other vehicles
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Boat loan rates

as low as

6.99

?

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804-323-6800 VACU Routing Number 251082615
  • 1

    Rate effective as of 04/30/2025. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.50% discount for a loan-to-value (LTV) that is between 115.01-125%, 1.5% discount for a loan amount of $35,000 or more, 1.00% discount for a loan amount between $20,000-34,999.99, and 0.25% for a loan amount between $10,000 - $19,999.99. Regardless of available discounts, 4.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

  • 2

    The loan product and rate examples seen here are current as of 4/30/2025 10:22:29. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR.

  • 3

    Rate effective as of 04/30/2025. Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates.

  • 4

    Rate effective as of 04/30/2025. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $242.94 at 7.74% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.

    For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time.

  • 5

    Rate effective as of 04/30/2025. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

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