Car Loans Reliable financing for the road ahead. Apply now rgba(0,57,112,0.9) rgba(255,255,255,1) Competitive rates to purchase used or new, or refinance your current vehicle Car or Light Truck Loan Terms starting at 48months APR as low as? 4.99% Receive a special car loan offer? Accept it today, and start saving with us. Love your car but not your rate? Ask about our refinance rate discount!? Please read our Disclosures for Special Offers for important information related to your offer. Accept offer Current rates Car or Light Truck Loan Applies to model years 2015-2025 Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 4.99% Car or Light Truck Loan up to 66 months 5.19% Car or Light Truck Loan up to 72 months 5.59% Car or Light Truck Loan up to 78 months 5.84% Car or Light Truck Loan up to 84 months 6.59% 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, a 0.50% discount for a loan-to-value (LTV) that is between 115.01%-125%, a 1.5% discount for a loan amount of $35,000 or more, a 1.00% discount for a loan amount between $20,000-34,999.99, and a 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. Payment example based on a $35,000.00 loan: $805.87 at a 4.99% APR with 48 month term; $610.72 at a 5.19% APR with 66 month term; $573.30 at a 5.59% APR with 72 month term; $540.34 at a 5.84% APR with 78 month term; and $521.26 at an 6.59% 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 Rates Get the same competitive rates on new or used cars. Easy to Apply Fast, easy application & approval process. Manage Online Easily manage your loan with online and mobile banking. Virginia CU Insurance Services Get vehicle insurance through our partners. Apply now What could your monthly payment be? Apply now Go payment-free for 60 days Enjoy that honeymoon phase with your new car and make no payments for 60 days with first-pay delay. RV, Motorcycle, and Boat Loans We've got a competitive-rate loan for however you adventure, whether it's with six wheels, two wheels, or zero. Learn more Auto Loan Resources See more resources 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. Vehicle Title FAQs Frequently asked questions about vehicle titles. Car Loan Refinance Whether you’re looking to lower your payments or shorten the length of your loan to save on interest, VACU has great rates and options for refinancing your car loan from another lender. 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 Understand your auto purchase See all Article 6 min Used Car Shopping: Your Test Drive Checklist Auto Video 10 min Watch: The Keys to Buying Your Next Car Auto Calculator Car Loan Monthly Payment Calculator Auto Article 6 min Understanding Your Car Loan Options: Dealership vs. Credit Union Financing Auto Article 7 min 9 Steps to Smarter Car Buying Auto Calculator Car Affordability Calculator Auto Article 2 min 6 Ways to Lower Car Insurance Costs Auto Article 2 min 7 Used Car Buying Tips Auto Article 3 min Buy or Lease Your Next Car? Auto Article 8 min How to Buy a Car: 5 Essential Steps Auto Article 4 min Tips for Keeping Car Maintenance Costs Low Auto Calculator Car Lease Affordability Calculator Auto
Car or Light Truck Loan Applies to model years 2015-2025 Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 4.99% Car or Light Truck Loan up to 66 months 5.19% Car or Light Truck Loan up to 72 months 5.59% Car or Light Truck Loan up to 78 months 5.84% Car or Light Truck Loan up to 84 months 6.59% 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, a 0.50% discount for a loan-to-value (LTV) that is between 115.01%-125%, a 1.5% discount for a loan amount of $35,000 or more, a 1.00% discount for a loan amount between $20,000-34,999.99, and a 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. Payment example based on a $35,000.00 loan: $805.87 at a 4.99% APR with 48 month term; $610.72 at a 5.19% APR with 66 month term; $573.30 at a 5.59% APR with 72 month term; $540.34 at a 5.84% APR with 78 month term; and $521.26 at an 6.59% 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
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.
Car Loan Refinance Whether you’re looking to lower your payments or shorten the length of your loan to save on interest, VACU has great rates and options for refinancing your car loan from another lender.