Car LoansFuel your next adventure with our flexible auto loans Apply now rgba(0,57,112,0.9)rgba(255,255,255,1) Competitive rates to purchase or refinance your new or used car.Car or Light Truck LoanTermsstarting at48monthsAPRas low as11 Rate effective as of 12/1/2023. 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, 0.50% 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, 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).5.74% Current ratesCar or Light Truck LoanApplies to model years 2013-2023ProductTermAPR*(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 0.500% 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, 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.Read More Why car loans at VACU? Competitive RatesGet the same competitive rates on new or used cars. Easy to ApplyFast, easy application & approval process. Manage OnlineEasily manage your loan within online and mobile banking. Virginia CU Insurance ServicesGet vehicle insurance through our partners. Apply now Receive a special car loan offer?If so, you’re one step closer to saving with us. Accept your special offer today.Please read our Disclosures for Special Offers for important information related to your offer. Accept offer What could your monthly payment be? Apply now Go payment-free for 60 daysEnjoy that honeymoon phase with your new car and make no payments for 60 days with First-Pay Delay. RV, Motorcycle, and Boat LoansWe've got a competitive-rate loan for however you adventure, whether it's with 6 wheels, 2 wheels, or zero. Learn more Auto Loan Resources See More Resources How much car can I afford? This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees. Vehicle Loans FAQs Frequently asked questions about vehicle loans. Dealership Car Loans As a Virginia Credit Union member, you now have the option to get your credit union vehicle financing approved and funded right at the dealer. Helpful Articles ArticleHow to Buy a Car: 5 Essential Steps VideoWatch: The Keys to Buying Your Next Car Article6 Ways to Lower Car Insurance Costs View more Ready for an upgrade?Your next set of wheels is waiting. We'll help make the auto loan process quick and easy, meaning you can hit the road in no time. Apply now
Car or Light Truck LoanApplies to model years 2013-2023ProductTermAPR*(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 0.500% 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, 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.Read More
How much car can I afford? This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
Dealership Car Loans As a Virginia Credit Union member, you now have the option to get your credit union vehicle financing approved and funded right at the dealer.
Helpful Articles ArticleHow to Buy a Car: 5 Essential Steps VideoWatch: The Keys to Buying Your Next Car Article6 Ways to Lower Car Insurance Costs View more