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Auto, RV, Motorcycle & Boat

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 Valley auto loans offer flexible terms and competitive rates with a community-based approach that puts you first. Whether you’re hoping to buy your child their first car, looking for a fuel-efficient vehicle for commuting, or finally pulling the trigger on a sports car, choosing Valley Credit Union makes the financing process easy and stress free.

Why Choose a Valley Auto Loan?

Securing an auto loan should be simple, and at Valley Credit Union, we’ve streamlined the process to make it just that. We care about each and every one of our members and serving them individually – it’s why we take the time to understand your needs and offer solutions that make sense for your budget.

Benefits of Valley Auto Loans:

  • New and used vehicle loan options
  • 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 for easy, automatic payment
  • No early payoff penalties
  • Auto consultations
  • No payments for 60 days, if desired

We also offer free loan rate quotes and personalized support to ensure you get the best financing option for your budget! 

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 loan application process!

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 best suit your situation and lifestyle. We make it easy to explore your options for the lowest rate possible.

Flexible Signing Options:

  • Buy on your own
  • Use a cosigner to secure a lower rate
  • Purchase with your partner

Payment Plan Options:

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

More Than Just a Loan

With Valley Credit Union, financing your vehicle is just the beginning. We partner with Auto Mentors, an expert auto brokerage service, to help you find the best car at the best price without the hassle of negotiating at the dealership. Their team has over 100 years of combined experience helping buyers like you.

Let Auto Mentors handle the search, negotiation, and paperwork so you can enjoy a stress-free car-buying experience.

FAQs

From Land to Sea – Recreational Loans That Fit Your Lifestyle

Looking for a new toy or way to adventure this year? We can help! Valley offers a wide variety of recreational vehicle loans, including:

  • Recreational Vehicles (ATVs, snowmobiles, or jet skis)
  • Motorcycles
  • RVs (Extended term loans may be available. Contact us for details)
  • Boats (Extended term loans may be available. Contact us for details)

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FAQs

Valley Credit Union offers lower interest rates, flexible terms, and personalized service compared to traditional banks. As a member, you’ll receive one-on-one guidance and better, more personalized financing options.

Yes! Getting pre-approved helps you shop confidently, knowing exactly how much you can afford. Apply online or visit a branch to start the pre-approval process.

Yes, we can help you consolidate your motorcycle and snowmobile loans into one convenient payment with a lower rate to help you save money and simplify your finances.

We work with members of all credit backgrounds. If your score is on the lower side, we may offer co-signer options or alternative financing solutions to help you qualify.

Absolutely! If you already have an auto, boat, or RV loan elsewhere, refinancing with Valley auto loans could lower your monthly payment and save you money.

You can apply online in just a few minutes, visit our Salem branch, or call us for assistance. Our team is happy to help you through every step of the process and provide additional information!