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Auto Loans

Auto loans that put you in the driver’s seat

Take advantage of competitive auto loans and refinancing options.

Through our local dealer partnerships, you’ll also enjoy more savings.

48 mo.**

As low as

5.75 % APR*

66 mo.**

As low as

6.25 % APR*

75 mo.**

As low as

6.75 % APR*

84 mo.**

As low as

7.50 % APR*

*APR - Annual Percentage Rate

**See below for full rate list and payment examples.

Rates Effective As 09/01/2023.
All rates, terms and conditions subject to change.

 

Apply for a Loan

  • New Auto Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 5.75% – 25.00% $23.37 – $33.16
    66 mo. $10,000 6.25% – 25.50% $17.94 – $28.32
    75 mo.  $15,000 6.75% – 25.50% $16.38 – $26.78
    84 mo.  $25,000 7.50% – 25.50% $15.34 – $25.63
    New Auto Rates apply to model years 2024 - 2020.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Used Auto Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 6.25% – 26.50% $23.60 – $34.00
    66 mo. $10,000 6.75% – 27.00% $18.18 – $29.23
    75 mo.  $15,000 7.25% – 27.00% $16.62 – $27.73
    84 mo.  $25,000 8.00% – 27.00% $15.59 – $26.60

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Motorcycle/Off-Road ATV

    Whether you are looking to get a street bike, scooter, dirt bike, or ATV, you’ll find affordable loans here. 

    • Competitive low fixed rates.
    • Flexible terms.
    • No prepayment penalty.
    • Payment protection available.
    New Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 7.00% – 19.75% $30.88 – $37.04
    48 mo. N/A 8.00% – 19.75% $24.41 – $30.30
    60 mo.  $10,000 8.00% – 19.75% $20.28 – $26.35
    72 mo.  $20,000 8.50% – 19.75% $17.78 – $23.81
           
    Used Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 8.00% – 19.75% $31.34 – $37.04
    48 mo. N/A 9.00% – 19.75% $24.89 – $30.30
    60 mo.  $10,000 9.00% – 19.75% $20.76 – $26.35
    72 mo.  $20,000 9.50% – 19.75% $18.27 – $23.81

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • RV / Motor Home / Cargo Trailer

    Find competitive rates that help you find as much adventure as you want.

    • Loans for new and used vehicles.
    • Competitive low fixed rates.
    • Flexible terms.
    • No prepayment penalty.
    • Payment protection available.
    New Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 7.50% – 19.75% $31.11 – $37.04
    48 mo. N/A 8.50% – 19.75% $24.65 – $30.30
    84 mo.  $10,000 8.50% – 19.75% $15.84 – $22.06
    96 mo.  $20,000 9.50% – 19.75% $14.91 – $20.80
    120 mo. $30,000 10.50% – 19.75% $13.49 – $19.16
    144 mo. $50,000 11.50% – 19.75% $12.83 – $18.19
    180 mo. $75,000 12.00% – 19.75% $12.00 – $17.38
           
    Used Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 8.00% – 19.75% $31.84– $37.04
    48 mo. N/A 9.00% – 19.75% $24.89– $30.30
    84 mo.  $10,000 9.00% – 19.75% $16.09– $22.06
    96 mo.  $20,000 10.00% – 19.75% $15.17– $20.80
    120 mo. $30,000 11.00% – 19.75% $13.78– $19.16
    144 mo. $50,000 12.00% – 19.75% $13.13– $18.19
    180 mo. $75,000 12.50% – 19.75% $12.33– $17.38
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
    Collateral conditions apply.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Watercraft

    From skiing to fishing, you’ll find a watercraft loan that fits your lifestyle.

    • Loans for new and used watercraft.
    • Competitive low fixed rates.
    • Flexible terms.
    • No prepayment penalty.
    • Payment protection available.
    New Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 7.75% – 18.75% $31.22– $36.53
    48 mo. N/A 8.75% – 19.75% $24.77– $30.30
    60 mo.  $10,000 8.75% – 19.75% $20.64– $26.35
    72 mo.   $10,000 9.75% – 19.75% $18.40– $23.81
    84 mo. $15,000 10.75% – 19.75% $16.99– $22.06
    96 mo. $30,000 11.25% – 19.75% $15.84– $20.80
    120 mo. $50,000 11.75% – 19.75% $14.20– $19.16
    Used Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 8.25% – 19.75% $31.45– $37.04
    48 mo. N/A 9.25% – 19.75% $25.00– $30.30
    60 mo.  $10,000 9.25% – 19.75% $20.88– $26.35
    72 mo.   $10,000 10.25% – 19.75% $18.65– $23.81
    84 mo. $15,000 11.25% – 19.75% $17.25– $22.06
    96 mo. $30,000 11.75% – 19.75% $16.12– $20.80
    120 mo. $50,000 12.25% – 19.75% $14.49– $19.16
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

Helpful Tips and Guides

Auto Finder Image

Valley Strong Auto Finder

You'll find Valley Strong Auto Finder provides a great auto buying experience thanks to built-in benefits like:

  • DealerRater reviews and ratings from car buyers in your area to choose the right dealership for you.
  • True advertised prices with Member Purchase Certificates.
  • Pre-approved funding to getting the keys in your hand.

 

Look For A Car Today!*


*Auto Finder services are provided by CU Direct and AutoSmart and have no affiliation with Valley Strong.

Kelly Blue Book

As the leading provider of new and used vehicle information, Kelly Blue Book empowers you to make an informed choice.

Learn More about Kelly Blue Book

N.A.D.A. Guides

Find a comprehensive source for vehicle pricing, information, and tools for new and used cars, classic cars, motorcycles/powersports, boats, recreation vehicles, and manufactured homes. 

Learn more at National Appraisal Guides

Payment Protection

Make your payments — even when the unexpected happens. 

Learn more about Payment Protection

Dealer Lending

How about making your next vehicle purchase easy? We’ve teamed up with dealers throughout the valley to do just that.

Find a Dealer

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