Auto Loans

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Your journey begins here.

Let us put you in the driver's seat of a new or used vehicle at a great low rate. With an easy applications process and helpful tools, we can assist you with your next auto purchase.

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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
2.99% APR1
49 - 60 Months
As low as
3.19% APR1
61 - 66 Months
As low as
3.19% APR1
67 - 72 Months
As low as
3.19% 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.

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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1APR = Annual Percentage Rate. 48 monthly payments of $22.13 per $1,000 borrowed at 2.99% fixed APR. 60 monthly payments of $18.06 per $1,000 borrowed at 3.19% fixed APR. 66 monthly payments of $16.55 per $1,000 borrowed at 3.19% fixed APR. 72 monthly payments of $15.28 per $1,000 borrowed at 3.19% fixed APR. 84 monthly payments of $13.30 per $1,000 borrowed at 3.19% 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.