Auto Loans
Hit the road with an affordable new or used vehicle, or save on your current one.
Ready to embrace the freedom of the open road with a vehicle of your own? Whether you're looking for a new or used vehicle, or to save on one you already own, Valley First has you covered.
Rates As low as 5.79% APR1 for 12-48 Months term. See All Rates
Key features and benefits:
- Peace of mind: Competitive, fixed interest rates1
- Flexible payment options: Make no car payments for up to 45 days2
- Car shopping made easy: All the tools you need to find your next car online with AUTOLAND3
- Affordable terms: Up to 84 months
- No pre-payment penalties: Pay off your loan early if you need to
- Refinancing available: Refinance your existing loan and put money back in your wallet
Competitive,
Fixed Interest Rates
Flexible Terms
Refinancing Available
No Prepayment
Penalties
Applying for a Loan is Easy.
Simply use our online loan application or visit your local branch and a Member Service Specialist will assist you.
Eligibility & Requirements:
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.
Auto loan financing
At Valley First, we aim to empower you on your journey towards owning your own vehicle. Our specialized loan terms and competitive fixed-interest rates ensure a smooth ride, allowing you to take control when negotiating a deal that best suits your financial needs.
We’re committed to helping you find the loan that aligns with your unique requirements, whether it’s for a brand-new or pre-owned vehicle, all while considering rates that work for you. Our experienced loan consultants are here to accompany you every step of the way, ensuring you make financial decisions that you’re both comfortable and confident with.
Members now have the opportunity to drive with confidence and enjoy the journey with our Motor Club Membership. From towing to jump-starts, flat tires, emergency travel benefits, and lockouts – members can enjoy peace of mind with protection while they’re on the road. Motor Club Membership is only available at auto loan origination.
Refinancing your car loan
Looking for a financial pit stop? We can help refinance your existing loan, even if it’s from another institution, guiding you towards potential monthly savings. We understand that life’s journey can present unexpected financial bumps, and that’s why we offer our Skip-a-Payment program for added support2. Our range of loan protection programs are your safety net, offering you peace of mind on your financial journey.
Loan Protection Gives You Peace of Mind
Your financial well-being is at the heart of what we do, and our loan protection products are a reliable backup to ensure that, in challenging times, your loan obligations don’t add to your worries. Find the assurance you need to face life’s unpredictability, knowing we’re here to support you.
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.
Free 24/7 Services
Online & Mobile Banking
Free, secure access to your account anywhere, anytime. Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy.
Get started today and enjoy our user-friendly Online & Mobile Banking.
Data and other wireless carrier charges may apply.
Learn More
eStatements
Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.
Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.
* Offer effective July 1, 2026 – July 31, 2026. Loan must fund by August 7, 2026. The rate discount applies to the published Rate Sheet effective 07.01.2026. Rate discount applies to auto purchases only. Does not apply for refinanced auto loans. 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 may apply. Loans not eligible for Skip-A-Payment until after twelve months of consecutive timely payments, dating from the first payment date. Must qualify under standard underwriting guidelines. Membership requirements apply: Membership requires a savings account open with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts are subject to ChexSystems. Other restrictions may apply.
1 APR=Annual Percentage Rate. Rates effective 11.02.2026. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 48 monthly payments at 5.79% APR the repayment amount would be $23.40 per $1,000 borrowed.
For 60 monthly payments at 5.89% APR the repayment amount would be $19.29 per $1,000 borrowed.
For 66 monthly payments at 5.89% APR the repayment amount would be $17.78 per $1,000 borrowed.
For 72 monthly payments at 6.09% APR the repayment amount would be $16.62 per $1,000 borrowed.
For 84 monthly payments at 6.14% APR the repayment amount would be $14.68 per $1,000 borrowed.
2 Skip-A-Payment disclosures: Valid on Auto and Personal Loans that have a minimum of 12 months of timely payment history established. Limited to one Skip-A-Payment per calendar year. All accounts and loans on the account must be in good standing. Loans that are not eligible include; Past due, bankruptcy status, recreational vehicles, mortgages, HELOCs, OnTrak Loan, Quick Loan and Visa credit cards. Requests for Skip-A-Payment on eligible loans(s) can be accepted online until 9:00pm on the due date of the loan. Requests can be accepted in branch until 5:00pm on the due date of the loan. Finance charges will continue to accrue as explained in the original loan disclosure. The original loan maturity date will be extended. Regular payments will resume on the first regular payment date of the month following the skip. Other restrictions may apply. 45-day no payment subject to credit history. Delaying payments will increase finance charges.
A $10.00 Skip-A-Payment Processing fee will be charged to your account at the time the request is processed within Online/Mobile Banking.
A $30.00 Skip-A-Payment Processing fee will be charged to your account at the time the request is processed over the phone or in the branch.
3 All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All Loans are subject to approval.