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Car Loan

First car, family car, or fantasy car, our car loans give you low rates—and get you behind the wheel, faster.

Rates as low as

on new and used cars.1

  • 1 Rate effective as of 9/28/2023. 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, 0.5% 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,  5.74% 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 Credit Union Direct Lending (CUDL).
Get the same

low

rate on both new and used cars when you buy or refinance.

Delay your first payment

60 days

with First-Pay Delay.

Low Rates

Same low rates on new or used cars

Easy to Apply

Fast, easy application & approval process

On-site Approval

Get approved right at the dealership

Virginia CU Insurance Services

Get vehicle insurance through our partners

Attractive rates

Applies to model years 2013-2023

Car or Light Truck Loan

ProductTermAPR*(as low as)
Car or Light Truck Loanup to 48 months5.74%
Car or Light Truck Loanup to 66 months5.94%
Car or Light Truck Loanup to 72 months6.34%
Car or Light Truck Loanup to 78 months6.59%
Car or Light Truck Loanup to 84 months7.34%

Footnotes

*

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 0.5% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.5% 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, 5.74% 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 Credit Union Direct Lending (CUDL).

Payment example based on a $35,000.00 loan: $817.81 at a 5.74% APR with 48 month term; $622.94 at a 5.94% APR with 66 month term; $585.68 at a 6.34% APR with 72 month term; $552.87 at a 6.59% APR with 78 month term; and $534.08 at an 7.34% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Apply online for a vehicle loan.

When you’re ready to buy or refinance a new or used car, truck, or SUV, we can help with a low-rate loan. Apply online, or get approved and funded at the dealership (see participating dealers).