Join Valley Credit Union

The first vehicle you buy is special — and its financing should be the same way. When you’re ready to buy, this loan’s for you.



Key Features

  • Competitive Rates
  • Flexible Terms
  • Local Processing
  • Builds Credit
  • Get financing for your first vehicle
  • Competitive interest rates on both new and used rides
  • Flexible repayment terms to fit your situation
  • Build your credit on your own
  • Payroll deduction or share transfer available and encouraged
  • Locally handled loan process from start to finish
  • Friendly, knowledgeable loan advisors
  • Customized service from a staff committed to your success

How to Qualify

  • Must be 18 yrs. or older; if younger, a co-signer is required
  • At least 1 year of consistent income with current employer
  • $2,000 minimum monthly income
  • Financing no more than 50% LTI (loan-to-income)
  • DTI ratio 40% or less (debt-to-income)
  • Vehicle cannot be older than 10 yrs.
  • Minimum $500 cash down
  • Have proof of current auto insurance and income