Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings
Skip to main content

Car Loans

First car, family car, or fantasy car, our car loans give you low rates—and get you behind the wheel, faster.

Rates as low as

on new and used cars.1

  • 1 Rate effective as of 11/30/2021. 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 0.750% 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).
Special refinance offer

.25%

discount2 when you refinance a car loan from another lender.

  • 2 For this offer, existing VACU loans are not eligible. Members that refinance an auto loan from a non-VACU lender will receive a .25% discount on the qualified purchase rate. Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. Regardless of available discounts, 1.74% is the minimum APR offered. Minimum and /maximum loan amounts apply. Ask us about other APR and longer term options.
Delay your first payment

60 days

with First-Pay-Delay.

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.

Get vehicle insurance

Protect your loan, your ride—and your precious cargo with our insurance services.

Attractive rates

Applies to model years 2011-2021 

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.