Break free of the typical bank loan experience - apply for a new or used credit union auto loan

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At Valley Credit Union, our top priority is helping you reach your financial and life goals. Our auto loans are flexible and convenient and our community-based approach allows us to connect with you one-on-one, offering low rates and exceptional service tailored to your individual needs. Whether you’re hoping to buy your kid their first car, looking for a fuel-efficient vehicle for commuting, or finally pulling the trigger on that brand new sports car, choosing Valley Credit Union gives you the options you need to buy the car you’ve been dreaming about.

Experience the Valley Credit Union difference

Securing an auto loan doesn’t have to be stressful or complicated. Here at Valley Credit Union, we’ve streamlined the auto loan process to make it simple and straightforward. We care about each and every one of our members and serving their individual needs. We’ll always prioritize your goals as we work with you to build the right plan. We understand that life can be complicated.

When you choose one of our credit union auto loans, you can take advantage of the amazing benefits we offer:

  • Competitive rates
  • Loan options for both new and used vehicles
  • Up to 100% financing of Blue Book or purchase price
  • Terms up to 84 months
  • Loans available for cars, trucks, vans, and classic vehicles
  • Payroll deduction payments
  • No early payoff penalties
  • Auto consultations
  • No payments for 120 days if desired

We offer free rate quotes and take your needs, goals, and questions seriously -- we’re always here to help! If you’re ready to get the auto loan you need to add a new or used car to your life, call us today or use our streamlined electronic application process!

It’s your journey – we’ll help get you there

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Customized loans to meet your needs

Part of what sets Valley Credit Union apart from other lenders is our commitment to flexibility. From signing options to payment plans, we’ll work with you to develop terms that meet your specific needs, situation, and lifestyle.

Buy a vehicle yourself, have your parents cosign to secure a lower interest rate, or purchase a car with your partner. We can help you explore your signing options to help you get the lowest rate possible.

We also offer flexible payment plans, from small monthly payments to large yearly deposits and everything in between. Payment options include:

  • Automatic (from a checking or savings account)
  • Cash
  • Military allotment
  • Payroll deductions
  • Other (we’ll work with you to find an option that meets your needs)

More than just a loan

When you choose to fund your vehicle purchase with an auto loan from Valley Credit Union, you get more than just a great rate and flexible payment options. You’ll also gain access to professional auto consulting and brokerage services through our partnership with Auto Mentors.

With over 100 years of combined experience, their team can help you find the car you want at a price you can afford. Avoid the hassle of car lots and dealerships and let the experts do the work for you.