Auto Loans

Your ride — at the right rate. Buy your vehicle with confidence!

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. And for a limited time, enjoy 2.99% APR* for 36 month terms on cars an trucks. ATV loan rates as low as 3.99% APR**.

  • Competitive rates for new and used vehicles
  • Recreational vehicle (RV) loans also available
  • Flexible repayment terms
  • Get pre-approved for extra bargaining power
  • Locally handled process from start to finish
  • Friendly, knowledgeable loan advisors
  • Customized service from a staff committed to your success
  • Skip-a-payment available for qualified loans
AskAuto App

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.

Download the AskAuto App TODAY!

  • Scan a car's VIN to get information including the average retail cost
  • Compare, rank and take notes about vehicles while shopping
  • Learn about loan options through custom messages from your credit union — while on the dealer's lot!
  • Apply for a loan from anywhere using a smartphone
  • The AskAuto app prefills the loan application with saved vehicle data
Coverage Options

Debt Protection

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.

Get a free quote instantly. 


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 

  • Pays up to $500 per loss (limit of two losses per year) when claim is filed and paid with primary insurance carrier.
  • Loss means an event for which the auto insurance company has approved & paid a claim that exceeds the Covered Auto Deductible for a collision or comprehensive claim.
  • Coverage is effective upon date of enrollment and will continue for three years 

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:

  • If claim under the auto policy has been denied.
  • If the auto insurance company has waived the covered auto deductible.
  • If the claim on the auto policy does not exceed the covered auto deductible.
  • If the vehicle is used for commercial purposes or hire.
  • If the vehicle is a commercial vehicle as defined by the manufacturer.
  • Resulting from any kind of dishonest, fraudulent or criminal act, or illegal activity by you.

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. 

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Mechanical Breakdown Protection (MBP) 

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: 

  • Towing
  • Travel and lodging reimbursement when a covered failure occurs more than 100 miles from home
  • Car rental coverage 

Get a free quote.

If you are a plan participant and need to repair your vehicle: 

  • Plans purchased prior to February 2004 contact Old Republic for prior authorization at 800-331-3780.
  • Plans purchased since February 2004 contact American Mercury for prior authorization at 800-654-8455.

*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. Floor rate of 2.99% APR based on approved credit and term. Tier A members. Rate applies to automatic payments. Other rates and terms available. [advertised rate says 3.99%?]

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