Auto Loans
Rates as low as
5.49% APR*
Up to 48 Months
With Valley Strong's low auto loan rates, Members can enjoy more financial flexibility and freedom, enabling them to choose a vehicle that best fits their needs without compromising on affordability.
*Rates Effective As 10/26/2026.
All rates, terms and conditions subject to change.
FIND THE RIGHT LOAN
FOR YOU
From auto loans to watercraft financing, find your perfect match.
New Auto
Finance the latest cards with great rates.
New Auto Loans Rates
Finance the latest cars with great rates.
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| Up to 48 months | $10,000 | 5.49% – 21.74% | $23.25 – $31.37 |
| 66 months | $10,000 | 5.74% – 21.99% | $17.70 – $26.24 |
| 75 months | $15,000 | 5.99% – 21.99% | $16.02 – $24.64 |
| 84 months | $25,000 | 6.24% – 21.99% | $14.72 – $23.42 |
New Auto Rates apply to model years 2025 and Newer.
Rates and terms will vary based on the credit worthiness of individual applicants. No payments for first 90 days
Rates Effective As 10/26/2026. All rates, terms and conditions subject to change.
Used Auto
Affordable options for used vehicles.
Used Auto Loans Rates
Affordable options for used vehicles.
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| Up to 48 months | $10,000 | 5.74% – 21.99% | $23.37 – $31.50 |
| 66 months | $10,000 | 5.99% – 22.24% | $17.82 – $26.39 |
| 75 months | $15,000 | 6.24% – 22.24% | $16.14 – $24.79 |
| 84 months | $25,000 | 6.49% – 22.24% | $14.84 – $23.57 |
No payments for first 90 days
Rates and terms will vary based on the credit worthiness of individual applicants.
Rates Effective As 10/26/2026. All rates, terms and conditions subject to change.
Motorcycle / Off-Road ATV
Loans for your road and trail rides.
New Motorcycle / Off-Road ATV
Loans for your road and trail rides.
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| Up to 36 months | N/A | 7.00% – 23.00% | $30.88 – $38.71 |
| 48 months | N/A | 8.00% – 23.00% | $24.41 – $32.05 |
| 60 months | $10,000 | 8.00% – 23.00% | $20.28 – $28.19 |
| 72 months | $20,000 | 8.50% – 23.00% | $17.78 – $25.72 |
Used Motorcycle / Off-Road ATV
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| Up to 36 months | N/A | 8.00% – 23.00% | $31.34 – $38.71 |
| 48 months | N/A | 9.00% – 23.00% | $24.89 – $32.05 |
| 60 months | $10,000 | 9.00% – 23.00% | $20.76 – $28.19 |
| 72 months | $20,000 | 9.50% – 23.00% | $18.27 – $25.72 |
Rates and terms will vary based on the credit worthiness of individual applicants.
Rates Effective As 9/15/2026.
All rates, terms and conditions subject to change.
RV / MOTORHOME / CARGO TRAILER
Finance your adventure on wheels.
NEW RV / MOTORHOME / CARGO TRAILER
Finance your adventure on wheels.
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| 84 months | $10,000 | 7.50% – 12.75% | $15.34 – $18.06 |
| 120 months | $35,000 | 8.50% – 12.75% | $12.40 – $14.78 |
Used RV / MOTORHOME / CARGO TRAILER
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| 84 months | $10,000 | 7.50% – 12.75% | $15.34 – $18.06 |
| 120 months | $35,000 | 8.50% – 12.75% | $12.40 – $14.78 |
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 9/15/2026. All rates, terms and conditions subject to change.
Watercraft
Set sail with easy
loan options.
WATERCRAFT RATES
Set sail with easy loan options.
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| 36 months | $10,000 | 7.75% – 10.00% | $31.22– $25.36 |
| 48 months | $10,000 | 8.75% – 11.00% | $24.77– $20.83 |
| 60 months | $10,000 | 8.75% – 11.00% | $20.64– $21.74 |
USED WATERCRAFT RATES
| Maximum Repayment | Minimum Loan Amount | Fixed Rate Annual Percentage Rates | ESTIMATED PAYMENT PER $1,000 BORROWED |
|---|---|---|---|
| 36 months | $10,000 | 8.25% – 10.50% | $24.53– $25.60 |
| 48 months | $10,000 | 9.25% – 11.50% | $25.00– $26.09 |
| 60 months | $10,000 | 9.25% – 11.50% | $20.88– $21.99 |
Rates and terms will vary based on the credit worthiness of individual applicants.
Rates Effective As 9/15/2026. All rates, terms and conditions subject to change.
FINANCING THAT FITS YOUR
PERSONAL NEEDS
Competitive low fixed rates
Secure your savings with attractive fixed rates.
Flexible Terms
Tailor your financial plans with adaptable options
No Prepayment Penalty
Enjoy the freedom to pay early without extra costs.
Payment Protection
Safeguard your finances with
reliable payment security.
I applied for an auto loan and was very impressed by the customer service and how quickly I was able to get approved.
Monica G.
Valley Strong Members and new safe driver since 2024
Get the Valley Strong Advantage with our
AUTO BUYING BENEFITS
Valley Strong Auto Finder
Valley Strong Auto FInder offers DealerRater reviews, transparent pricing, and pre-approved funding, ensuring a smooth car buying experience with informed decisions and financial readiness.
LOOK FOR A CAR TODAY
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
YOUR NEW RIDE IS
JUST ONE CLICK AWAY
Take advantage of competitive auto loans and refinancing options.
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Our mission is to turn people’s financial possibilities into financial realities
Human Focused Banking
Experience personalized banking that puts people first, offering tailored financial solutions designed to support your goals and well-being.
Schedule An Appointment
Financial Education
Empowering individuals with the knowledge and tools needed to make informed financial decisions for a brighter, more secure future.
Browse Our Learning Center
Community Impact
Committed to making a difference through initiatives that strengthen and support the local community where we all thrive.
Read Our Impact Report
Discover the convenience of our
MOBILE APP
Experience effortless account access and financial management anytime, anywhere.
Mobile Wallets
Easily add your credit or debit card to your favorite mobile wallets like Apple Pay®, Google Pay®, or Samsung Pay® for secure, contactless payments.
Card Management
Manage your cards with ease! Set limits and alerts, block or unblock cards and merchants, update PINs and activate or replace cards.
FREE TRANSFERS WITH ZELLE
Send and receive money quickly with Zelle®—an easy, no-fee way to transfer funds to family and friends, right from your phone.
Mobile Check Deposits
Skip the trip to the branch—snap a photo of your check and deposit it directly into your account using your smartphone, anytime, anywhere.
EXCLUSIVE PERKS FOR
EXISTING MEMBERS
Enjoy special rate discounts with Valley Strong Everyday Savings and Makes Cents Checking accounts.
Makes Cents Checking Discounts
Benefit from a 0.25%1 rate discount when you open a Makes Cents Checking Account.
Open An Account
Regular Share Discounts
Enjoy a 0.25%2 rate discount when your account has been open and in good standing for at least one year. This discount applies to loans applied for once you fulfill the membership durations requirement.
Open An Account
1Receive a 0.25% rate discount on an Auto or Personal loan with an open Make Cents Checking Account. Offer valid for loans funded after December 31, 2023. Must have both an open Shares and Make Cents Checking account. Discount applied when Makes Cents Checking Account is opened and will be removed if the Makes Cents Checking Account is closed. 2Receive a 0.25% rate discount on an Auto or Personal loan with Valley Strong Share Savings Account opened for one year or longer. Offer valid for loans funded after December 31, 2023 and applied for after meeting the Membership requirement.
CHOOSE YOUR VEHICLE CONFIDENTLY
DECISION DRIVING TOOLS
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
N.A.D.A Guides
Find a comprehensive source for vehicle pricing, informaton, and tools for new and used cars, classic cars, motorcycles / powersports, boats, recreation vehicles, and manufactured homes.
Learn MoreYou can never have too much
Financial IQ
Expand your financial knowledge with tons of resources
Expert Lead Workshops
Workshops & Webinar
Attend our financial workshops to get guidance from experts and network with Valley Strong Members.
Financial Education Courses
Financial Literacy Center
Access courses to help make the most of your finances on the Valley Strong Financial Literacy Center.
Financial Articles & Success Stories
Blog
Read about fellow Valley Strong Members and learn how Valley Strong partnered in their success.
GET THE
BEST AUTO LOAN
Valley Strong offers competitive auto loans with flexible terms and low rates.
Apply NowExplore More
FINANCIAL SOLUTIONS
CREDIT CARDS
Discover flexible options to match your spending habits or build credit for a stronger financial future.
Learn More
Savings Accounts
Experience the difference with Savings Accounts, where your financial growth is our priority
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