Auto Loans

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Your journey begins 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.

Auto Loan Financing with Valley First

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Auto Loan Financing 

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.

Refinancing Your Car Loan 

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.

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Enjoy these convenient features & benefits:

Fixed Interest Rates

Flexible Terms

No Prepayment Penalties

Refinancing Available


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12 - 48 Months
As low as
6.54% APR1
49 - 60 Months
As low as
7.24% APR1
61 - 66 Months
As low as
7.44% APR1
67 - 72 Months
As low as
7.64% APR1
73 - 84 Months
As low as
7.94% APR1
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Applying for a Loan is Easy


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

Apply Now

In Branch

Visit any of our 8 locations during
business hours.


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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.

Learn More 

Auto Buying Services

Whether you're shopping around or ready to buy, our convenient Auto Buying Services are here to help.

Learn More

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Loan Protection Gives You Peace of Mind

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

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.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

GAP Advantage

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.

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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.

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APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
1For 48 monthly payments at 6.54% APR the repayment amount would be $23.75 per $1,000 borrowed.
1For 60 monthly payments at 7.24% APR the repayment amount would be $19.93 per $1,000 borrowed.
1For 66 monthly payments at 7.44% APR the repayment amount would be $18.52 per $1,000 borrowed.
1For 72 monthly payments at 7.64% APR the repayment amount would be $17.37 per $1,000 borrowed.
1For 84 monthly payments at 7.94% APR the repayment amount would be $15.57 per $1,000 borrowed.
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.