Auto Buying Services
Your Path to a Better Car Buying Experience
Buying your next car doesn’t have to be complicated. With Valley First Credit Union, you’ll have flexible financing, trusted partners, and helpful resources all in one place. Whether you're ready to buy or just starting to explore, we’re here to help you feel confident every step of the way.
Valley First Credit Union has partnered with KeySavvy1 to make private‑party car purchases simple, secure, and worry‑free. Whether you’re buying from or selling to another individual, KeySavvy takes care of the complicated parts – secure payment, title transfer, and essential paperwork – so you can focus on the deal, not the details.
Let’s make your next car deal stress free
Lease buyouts can feel overwhelming, but they don’t have to be. We’ve partnered with Lease Buyout Center to streamline the process2. When you buyout your lease through Valley First, it won’t take weeks. In fact, you could even get started with your smartphone today!
Skip the dealership! We’re here to make the process simple and stress-free.
CUDL AutoSMART
A credit union owned automated loan network allows qualified members to arrange Valley First Credit Union financing right at the dealership! When purchasing at any participating CUDL AutoSMART dealer, request Valley First Credit Union financing through CUDL AutoSMART, and drive away in your new or used vehicle with our great rates, all in one visit!
Find your next vehicle and local participating auto dealer today.
Search AutoSMARTAutoland
Autoland is the premier concierge auto buying service, exclusively for credit union members like you. When it's time to replace your vehicle, just place a call and let your personal consultant find a vehicle that caters to your exact specifications and have it delivered right to you.
Autoland does all the heavy lifting. All you have to do is wait for your vehicle to arrive.
Visit Autoland5 Star Modesto, Inc.
Find a vehicle that fits your lifestyle from a selection of used cars, trucks, and SUV's from leading brands like Ford, Chevrolet, Honda and more.
Visit and purchase your next vehicle at 1401 McHenry Ave, Modesto or check out the online inventory of top makes and models.
Visit 5 Star Modesto IncModesto Toyota
Serving the Modesto, Stockton, Sonora, Merced and Tracy region with quality new Toyota vehicles and a large collection of pre-owned vehicles, Modesto Toyota has something for everyone.
Visit and purchase your next vehicle at 4513 McHenry Avenue, Modesto or search the wide variety of available cars online.
Visit ToyotaCalculators
Monthly Auto Loan Payment
Wondering how much your monthly loan payment might be? Try our online tools below with handy calculators to help you figure out how much car you can afford.
2. How much will my loan payments be?
3. How long will it take to pay off my loan?
4. Is an Auto or Home Equity Loan best for purchasing my car?
Look no further than Valley First Credit Union for auto loans.
Apply online or call or visit us today.
1 KeySavvy Buyer Fee: $149 Transaction fee, Seller Fee: $99 fee if there is an existing lien on the vehicle. Buyer must be a member of Valley First Credit Union. Membership requirements: Membership requires a savings account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts subject to ChexSystems. Other restrictions may apply. Membership applicants will be screened with a Risk Management system validating: Identity Verification; Know Your Member Checks and Fraud/AML Information. Proper identification with a photo such as a State issued ID, Driver’s License or Passport with is required for verifying identity. Visit https://www.valleyfirstcu.org/become-member for membership details.
2 All loans are subject to credit approval.
Processing fee of $195. A credit inquiry will be required by Lease Buyout Center in accordance with CFPB Regulation Z to provide a risk-based pricing disclosure on loan applications. Please talk to a Valley First representative for assistance with Ford Motor Credit/Lincoln Financial, NMAC/Infiniti Financial Services, and Tesla leases.
Some leasing companies do not accept digital signatures on payoff documents. Documents may need to be overnighted with an included prepaid return envelope.