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. 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 Additional services available Do it at the dealer Skip online signup and get your VACU financing approved at the dealership. Dealership Car Loans Get vehicle insurance Protect your loan, your ride—and your precious cargo with our insurance services. Car Protection & Insurance Attractive rates Applies to model years 2012-2022 Car Loan Rates 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 0.750% 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. Accept offer Please read our Disclosures for Special Offers for important information related to your offer. Apply online for a vehicle loan. 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). Apply now Car Loan Resources See More Resources 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. Negotiating a Deal Once you’ve decided on a car, it’s time to talk about price and a deal that suits both you and the seller.