Auto Loan Refinancing

COVID-19 Stimulus Auto Loan Refinancing Promotion

Section Content: 

We’re here to help – Refinance your auto loan from another Lender with Valley First Credit Union and receive the following:

  • 1% of the loan amount deposited to your account1
  • 60 Day-no-Payments
  • Lower monthly payments



Our online loan application is easy, secure and available 24/7.

Apply Now




1Offer and rates effective April 13, 2020. All loans are subject to review and approval of credit. Rates, terms and conditions are subject to change at any time without notice and may vary based on creditworthiness and qualifications. Certain restrictions and limitations apply. Offer applies for online applications only. Does not apply for applications made in-branch or by phone. APR = Annual Percentage Rate. APR applies for terms up to 48 months for model years 2010 or newer. Mileage cannot exceed 200,000 miles. Other rates and terms available based on model year, mileage and terms. For 48 monthly payments at 2.99% APR the repayment amount would be $22.13 per $1,000. Minimum amount to finance and receive 1% Incentive is $10,000. Maximum amount to finance and receive 1% Incentive cannot exceed 125% (Tiers 1 & 2), 120% (Tier 3), 115% (Tiers 4 & 5) or 110% (Tier 6) MSRP Kelley Blue Book Retail Value including Tax, License plus GAP. With FICO of 680 or greater, cash-out on refinance cannot exceed 125% loan-to-value (LTV) including Tax, License plus GAP. LTV for FICO of 660-679 is 120%. LTV for FICO 620-659 is 115%. LTV for FICO of 350-619 is 100%. Excludes Lease buyouts and Private Party Lease Buyouts. No change to current registered owners. 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. Membership eligibility requirement applies. Membership requires a Primary Share 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. 60-Day no payment subject to credit history. Delaying payments will increase finance charges. Interest accrues from date of signed contract. Excludes refinancing of existing Valley First Loans. 1% Incentive will be deposited into the member’s Primary Share account at loan funding. Limit of one 1% Incentive per refinanced loan. 1% Incentive is considered a bonus and may be reported on IRS Form 1099. Estimated value of bonus is between $100 and $1,000, subject to amount refinanced.