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  • Hit the brakes on high monthly car payments. 

    Same low rate on new and used cars. 

  • As low as

    4.24

    ?
Apply now

Whether you’re looking for a new or used car, you’ll get the same low rate on your loan. And if your current car payment is too high, let us show you how much you could save if you refinance with VACU.

Features & benefits

  • Buy or refinance
  • Same low rates on new or used cars
  • Fast, easy application & approval
  • Get approved at the dealership
  • Get vehicle insurance through our partners

Applies to model years 2016-2026

Car or Light Truck Loan

Product Term APR* (as low as)
Car or Light Truck Loan up to 48 months 4.24%
Car or Light Truck Loan up to 66 months 4.44%
Car or Light Truck Loan up to 72 months 4.84%
Car or Light Truck Loan up to 78 months 5.09%
Car or Light Truck Loan up to 84 months 5.84%

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, a 0.5% discount for a loan-to-value (LTV) that is between 115.1%-125%, a 1.5% discount for a loan amount of $35,000 or more, a 1.0% discount for a loan amount between $20,000-34,999, and a .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 4.24% 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: $794.03 at a 4.24% APR with 48 month term; $598.66 at a 4.44% APR with 66 month term; $561.08 at a 4.84% APR with 72 month term; $527.98 at a 5.09% APR with 78 month term; and $508.62 at an 5.84% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

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800-285-6609 VACU Routing Number 251082615
  • 1

    Rate effective as of 09/10/2026. 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. Members that refinance an auto loan from a non-VACU lender will receive a .50% discount on the qualified refinance rate. Existing VACU and Member One loans are not eligible. Subject to credit and collateral approval. Regardless of available discounts, 4.24% 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. 

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