Personal | Business
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Personal | Business
First car, family car, or fantasy car, our car loans give you low rates—and get you behind the wheel, faster.
on new and used cars.1
discount2 when you refinance a car loan from another lender.
Our affordable car loans offer you the same low rate whether your car is new or used. Learn more about our rates, calculate payments, or apply online and start planning your next road trip.
Skip online signup and get your VACU financing approved at the dealership.
Protect your loan, your ride—and your precious cargo with our insurance services.
Applies to model years 2011-2021
Car Loan Rates
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 0.750% discount for a loan-to-value (LTV) that is 115% or less, and a 0.75% discount for a loan amount of $20,000 or more. Regardless of available discounts, 1.99% 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 Credit Union Direct Lending (CUDL).
Payment example based on a $20,000.00 loan: $433.82 at 1.99% APR with a 48 month term; $325.45 at 2.59% APR with a 66 month term; $302.44 at 2.84% APR with a 72 month term; $283.35 at 3.09% APR with a 78 month term; and $276.52 at 4.34% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
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.
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).