Car Loans

VACU Car Loans

Our affordable car loans get you behind the wheel sooner. Check out our low rates, calculate payments or apply online and start planning your next road trip.

  • Buy or refinance 
  • Same low rates on new or used cars
  • Fast, easy application & approval


Did you receive a car loan special offer?

Effective Date: May 22, 2019

(model years 2009 - 2019)
APR* as low as
Car or Light Truck Loan up to 48 months 2.99%
Car or Light Truck Loan up to 66 months 3.49%
Car or Light Truck Loan up to 72 months 3.74%
Car or Light Truck Loan up to 78 months 3.99%
Car or Light Truck Loan up to 84 months 5.24%
* Read Important Disclosure




You can also get your VACU vehicle financing approved & funded at the dealer. Learn more

LoansProtect your loan with insurance and asset protection options. Learn More



What Our Members Say

"It was hard to get credit anywhere, and I really needed a car to replace the ancient 1966 Plymouth I'd been driving. I was so nervous about going into VACU to ask for a car loan, but it turned out to be a great experience. I got the loan, got a new car and felt empowered to handle my finances. Fast forward a few years, and VACU is still empowering me and helping me make good choices!"

- Lisa, VACU Member


Resources & tools to help you get behind the wheel