Auto Loans

Let our loan officers help you with the financing of your next new or used vehicle loan, or the refinancing of your current vehicle loan. Valley Communities Credit Union offers numerous loan options and competitive rates on every vehicle. Best of all, our loan decisions are made locally and in most cases within 10 minutes of a completed application. Talk to one of our loan officers if you want:

  • to purchase or refinance a vehicle.
  • competitive interest rates.
  • fast loan decisions.
  • flexible terms up to 72 months.
  • monthly, bi-weekly, and weekly payment options that allow flexibility if your financial needs change. Payments are applied to the loan at time of receipt.
  • payroll deduction, ACH, direct deposit and bill pay payment options.

Call us, stop in or apply online to get pre-approved.

Membership Matters Loan Program

If you have less than perfect credit, stop in and talk to one of our loan officers about the benefits of our Membership Matters loan program. When compared to other lenders we offer:

  • reduced interest rates.
  • lower payments and interest costs.

Options may vary based on term, interest rates, down payment and vehicle make. See our rates page for payment options.

Vehicle Valuation

Please go to the free NADA website to obtain valuations if you are buying or selling a vehicle.

Vehicle Protection

Get a free quote on our GAP or Mechanical Breakdown Policy here.

GAP Insurance

Guaranteed Asset Protection (GAP) insurance is your reassurance that if something happens to your vehicle (stolen and not recovered, or totaled in an accident and is not able to be repaired) and your insurance settlement doesn’t cover the balance of your loan, you’ll be taken care of. GAP insurance covers the amount between your vehicle’s value as set by the insurance company and the balance you still owe on it.

  • VCCU offers GAP insurance for $325.
  • VCCU’s GAP Insurance may cover up to $1,000.00 of your primary insurance company’s deductible.
    The deductible will only be paid if there is a deficiency balance on the loan.
  • Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of two losses per year) when a claim is filed and paid with your primary insurance carrier.

  • Coverage of ADR is effective upon date of enrollment and will continue for three years. 

Mechanical Breakdown Policy

Ensuring that your investment in your vehicle is protected is why we offer our members mechanical breakdown coverage. Our mechanical breakdown policy provides protection regarding a variety of car repairs.

Our policy offers:

  • no deductible.
  • nationwide coverage.
  • 24/7/365 emergency roadside service.
  • 30 day money-back guarantee.
  • ability to transfer policy.
  • direct payment by VISA/MasterCard.
  • three levels of coverage to choose from.

Covered services include flat tires, jump starting, minor adjustments, fluid delivery, lock-out, safe and secure service arrangement, towing.

All plans are open enrolment, which allows you to purchase the warranty at anytime and every vehicle can have some type of coverage added.