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Hit the brakes on high monthly car payments.

Same low rate on new and used cars. 

As low as

1

  • 1 Rate effective as of 07/05/2020 to qualified borrowers and subject to change. Vehicle value is based on MSRP or by a source approved by us. Your annual percentage rate (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 0.500% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20000 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).

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
Product Term APR*(as low as)
Car or Light Truck Loan up to 48 months 1.99%
Car or Light Truck Loan up to 66 months 2.59%
Car or Light Truck Loan up to 72 months 2.84%
Car or Light Truck Loan up to 78 months 3.09%
Car or Light Truck Loan up to 84 months 4.34%

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 0.5% 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.