It’s hard to get anywhere without a reliable vehicle. Let us help you get yours — at a rate that won’t bust your budget! We offer auto loans and recreational vehicle loans at competitive rates and flexible terms customized to your needs. Our lenders are local and will get you a decision fast. So you can go from hoofing it to riding in style in a matter of days. Enjoy rates as low as 2.99% APR* for 36 month terms on cars and trucks. ATV loan rates as low as 3.99% APR**.
AskAuto rides along on your car shopping and buying experience by offering vehicle information and loan application assistance. As a Valley FCU member, you can easily compare vehicles you find on the dealer lot, get information on loans, and submit a loan application — all from your mobile device!
AskAuto pulls vehicle information like the average cost of a new or used car, EPA mileage estimates and more. Then, you can rank, compare and make notes on cars you’ve scanned. Plus, you can elect to receive messages from your credit union with loan offers and guidance and get them while you’re shopping on the dealer lot. It’s this simple: scan, compare and submit.
Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability, or involuntary unemployment.
With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in accordance with your plan choice. You benefit from the peace of mind knowing you and your credit rating are protected.
Your choice on this product does not affect our credit decision.
As a result of depreciation, your loan balance may be higher than the actual value of your vehicle. If your vehicle were stolen, or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance.
GAP covers the difference between the market value of your vehicle and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other related insurance charges. In the event a deficiency exists, our program will cover your insurance deductible, up to $1,000.
GAP Advantage provides an additional $1,000 credit towards a new loan for replacement vehicle if you finance it with same financial institution within 90 days of primary carrier settlement.
Auto Deductible Reimbursement
If you suffer a loss during the coverage period that is covered by your auto policy, you may be entitled to reimbursement of the covered auto deductible. Reimbursement will be equal to the covered auto deductible on the auto policy, up to $500 per loss. Coverage is effective upon date of enrollment and will continue for the period specified in your plan.
The auto deductible reimbursement does not cover the following:
This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.
GAP also covers the following: Motorcycles, ATV's, jet skis, snowmobiles, golf carts, watercraft, travel trailers, motor homes, and RV's.
As a member of Valley Federal Credit Union, you have the ability to protect your vehicle against costly repairs by purchasing Mechanical Breakdown Protection. In most cases, there are various levels of plans that offer you protection against mechanical breakdowns on new or pre-owned vehicles.
The plans are both flexible and affordable. You select the coverage, the time/mileage, and term that's best suited for your driving habits, and intended length of ownership. Coverage begins the day you purchase the service contract whether the vehicle is new or used, purchased or leased. Plus, you can take your vehicle to any licensed repair facility in the U.S. or Canada.
Mechanical Breakdown Protection are also available after you have purchased the vehicle, as long as it is still under manufacturers warranty, or in some instances, purchased within a set time frame. Call your local branch for further details. In addition, our plans offer:
If you are a plan participant and need to repair your vehicle:
*APR=Annual Percentage Rate. Rate applies to cars & trucks only. Rate applies to automatic payments. Term is up to 36 months. Other rates and terms available. 2.99% APR Tier A members.
**APR=Annual Percentage Rate. Rate applies to automatic payments. Other rates and terms available. 3.99% APR Tier A members.