ALERT
We are experiencing extremely high call volumes leading to longer wait times. This is in part due to the Child Care Tax Credit distributions. If you have questions specifically about those credits, please visit IRS.gov. We apologize for the delays but do have additional access options available. If you have a basic transaction, please try our Online Banking, Mobile Banking or ValleyLine telephone access options. To make a loan payment using online and electronic options, please click here.
Ready to hit the road in your own four wheels? Whether you’re looking for a reliable vehicle to ferry the kids to soccer or something that gives off a bit more of a “road warrior” vibe, Valley First is the best credit union for auto loans.
Competitive,
Fixed Interest Rates
Flexible Terms
No Prepayment Penalties
Refinancing Available
Need some extra cash in your pocket? See how you can skip an auto or personal loan payment and get the flexibility you need to handle unexpected expenses.
Whether you're shopping around or ready to buy, our convenient Auto Buying Services are here to help.
Valley First loan protection products are designed to help you overcome any hardships that may come your way.
Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with
Debt Protection.2
Ask to add Debt Protection at any
Valley First branch.
You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2
Don’t get caught in an accident without GAP Advantage with PowerBuy. If your car is totaled in an accident, GAP pays the difference between what you owe and what the insurance company says the car is worth.2
Ask your Member Service Specialist for complete details.
To get an Auto Loan, you must be a member of the credit union. At this time we are unable to do loans for lease buyouts or private party purchases.
Not yet a member?
You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.
With our flexible terms and competitive, fixed interest rates, you’ll be driving off in your dream car in no time. By locking in a loan before you visit the dealer, you’ll be in the driver’s seat for your negotiations.
We’ll put you on the road to success with an auto loan for a new or used vehicle at a fantastic low rate. Our experienced loan consultants will go the extra mile to discuss the loan program that’s right for you so you can feel confident in your financial decision.
We can even help you refinance your existing loan, whether it’s currently through Valley First Credit Union or another institution, so you end up with a little more gas money in your wallet every month. And speaking of extra money, we understand that emergencies come up. Ask us about our “skip-a-payment” program that gives you the flexibility you need to handle unexpected expenses, and our various loan protection programs that give you peace of mind.
1APR = Annual Percentage Rate. 48 monthly payments of $22.13 per $1,000 borrowed at 2.99% fixed APR. 60 monthly payments of $17.97 per $1,000 borrowed at 2.99% fixed APR. 66 monthly payments of $16.45 per $1,000 borrowed at 2.99% fixed APR. 72 monthly payments of $15.42 per $1,000 borrowed at 2.99% fixed APR. 84 monthly payments of $13.44 per $1,000 borrowed at 3.49% fixed APR. All loans subject to credit approval. Rates, terms and conditions subject to change.
2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. GAP Advantage is administered by SWBC. These products are not insured by the National Credit Union Administration.
