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Competitive rates to purchase or refinance your new or used car.
Car or Light Truck Loan
Terms
starting at
48months
APR
as low as?
5.74%
Current rates
Car or Light Truck Loan
Applies to model years 2014-2024
| Product | Term | APR* (as low as) | |
| Car or Light Truck Loan | up to 48 months | 5.74% | |
| Car or Light Truck Loan | up to 66 months | 5.94% | |
| Car or Light Truck Loan | up to 72 months | 6.34% | |
| Car or Light Truck Loan | up to 78 months | 6.59% | |
| Car or Light Truck Loan | up to 84 months | 7.34% | |
*
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 1.00%discount for a loan-to-value (LTV) that is 115%or less, 0.50% discount for a loan-to-value (LTV) that is between 115.01-125%, 1.5% discount for a loan amount of $35,000 or more, 1.00% discount for a loan amount between $20,000-34,999.99, and 0.25% for a loan amount between $10,000 - $19,999.99.Regardless of available Discounts, 5.74% 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 $35,000.00 loan: $817.81 at a 5.74% APR with 48 month term; $622.94 at a 5.94% APR with 66 month term; $585.68 at a 6.34% APR with 72 month term; $552.87 at a 6.59% APR with 78 month term; and $534.08 at an 7.34% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Why car loans at VACU?
Competitive Rates
Get the same competitive rates on new or used cars.
Easy to Apply
Fast, easy application & approval process.
Manage Online
Easily manage your loan within online and mobile banking.
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Receive a special car loan offer?
If so, you’re one step closer to saving with us. Accept your special offer today.
Please read our Disclosures for Special Offers for important information related to your offer.
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What could your monthly payment be?
Go payment-free for 60 days
Enjoy that honeymoon phase with your new car and make no payments for 60 days with First-Pay Delay.
RV, Motorcycle, and Boat Loans
We've got a competitive-rate loan for however you adventure, whether it's with 6 wheels, 2 wheels, or zero.
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Auto Loan Resources
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How much car can I afford?
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
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Vehicle Loans FAQs
Frequently asked questions about vehicle loans.
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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.
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Ready for an upgrade?
Your next set of wheels is waiting. We'll help make the auto loan process quick and easy, meaning you can hit the road in no time.
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