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1All loans subject to credit approval. Rates subject to change. Rate is determined by credit history, model year, terms, and underwriting factors. FICO score 710 and above required for 2.99%APR, other factors apply. Model year 2013 or newer. For 60 monthly payments at 2.99%APR the repayment amount would be $17.97 per $1,000. Excludes refinancing of Valley First Credit Union loans. Existing loan payments must be current. Not eligible for Skip-A-Payment until after twelve months of consecutive payments, dating from the first payment date. Loan must be funded by October 31, 2017. Membership eligibility requirements apply. Membership requires a Primary Share Account opened with an initial $25 deposit plus a $1 one-time membership fee, for a total of $26. New accounts subject to Chex Systems. 
2Subject to credit history. Interest accrues from date of signed contract. Delaying payments will increase finance charges.