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Let’s get you there.

You have places to be. Let's get you there in the right car with the right monthly payment. Rates start as low as 4.49% APR? for up to 84 months.

We offer competitive rates to purchase used or new, or refinance your current vehicle.

Car or Light Truck Loan

Terms

starting at

48months

APR

as low as?

4.49%

Current rates

Car or Light Truck Loan

Applies to model years 2016-2026

Product Term APR* (as low as)
Car or Light Truck Loan up to 48 months 4.49%
Car or Light Truck Loan up to 66 months 4.69%
Car or Light Truck Loan up to 72 months 5.09%
Car or Light Truck Loan up to 78 months 5.34%
Car or Light Truck Loan up to 84 months 6.09%

Footnotes

*

Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, a 0.50% discount for a loan-to-value (LTV) that is between 115.01%-125%, a 1.5% discount for a loan amount of $35,000 or more, a 1.00% discount for a loan amount between $20,000-34,999.99, and a 0.25% for a loan amount between $10,000 - $19,999.99. Regardless of available Discounts,  4.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

Payment example based on a $35,000.00 loan: $797.96 at a 4.49% APR with 48 month term; $602.67 at a 4.69% APR with 66 month term; $565.13 at a 5.09% APR with 72 month term; $532.08 at a 5.34% APR with 78 month term; and $512.81 at an 6.09% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Why car loans at VACU?

Competitive Rates

Get the same competitive rates on new or used cars.

Easy to Apply

Fast, easy application & approval process.

Manage Online

Easily manage your loan with online and mobile banking.

Virginia CU Insurance Services

Get vehicle insurance through our partners.

What could your monthly payment be?

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Go payment-free for 60 days

Enjoy that honeymoon phase with your new car and make no payments for 60 days with first-pay delay.

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RV, Motorcycle, and Boat Loans

We've got a competitive-rate loan for however you adventure, whether it's with six wheels, two wheels, or zero.

  • Auto Loan Resources

  • Dealership Car Loans
    As a Virginia Credit Union member, you now have the option to get your credit union vehicle financing approved and funded right at the dealer.
  • Car Loan Refinance
    Whether you’re looking to lower your payments or shorten the length of your loan to save on interest, VACU has great rates and options for refinancing your car loan from another lender.

Ready for an upgrade?

Your next set of wheels is waiting. We'll help make the auto loan process quick and easy, meaning you can hit the road in no time.

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    Rate effective as of 11/04/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.50% discount for a loan-to-value (LTV) that is between 115.01-125%, 1.5% discount for a loan amount of $35,000 or more, 1.00% discount for a loan amount between $20,000-34,999.99, and 0.25% for a loan amount between $10,000 - $19,999.99. Members that refinance an auto loan from a non-VACU lender will receive a .50% discount on the qualified refinance rate. Existing VACU and Member One loans are not eligible. Subject to credit and collateral approval. Regardless of available discounts, 4.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.