If you're looking to buy or refinance your new or used vehicle, we have the rate, 
terms, and personalized service you need! We have great rates, so start saving money today by buying or refinancing that high-rate loan you have at another institution with a great rate from Valley Oak.
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Rates as low as 2.00% APR*¹ up to 66 months
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Terms up to 84 months for auto loans**
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Quick and easy application process
Apply Now View Rates & Terms
Looking for help with researching and buying your next vehicle?
We have the partner for you! Direct Auto Sales & Lease offers a great service to Valley Oak members in the market for a vehicle. Buying a vehicle is the 2nd biggest purchase in most people’s lives, and it should not be a stressful or intimidating experience, but rather a car buyer should be treated with respect, honesty, dignity, and with no pressure or games. Contact Dan Del Campo at 559.304.8749 or at
danmdelcampo@yahoo.com. For more information on Direct Sales and Lease,
click here.
1st Time auto buyer
Are you a 1st time car buyer or are you someone that has a blemished credit score? If so, we have the perfect auto loan for you.
Get back on the road of financial independence with an auto loan that rewards your on-time payments with reduced rates and gives your credit a chance to improve.
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Your auto loan rate will be reduced by 0.25% every six months as long as you make your monthly payments on time*
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It is the member’s responsibility to contact the branch every 6 months to request a 0.25% decrease on their loan. If Valley Oak is not contacted every 6 month mark, your loan rate will not decrease nor will it be pro-rated or back dated
By simply making on-time payments, you'll have the opportunity to start improving your credit score AND save money by reducing your auto loan rate over time.
For all Valley Oak vehicle loans, you can:
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Apply online or call 24/7 for a pre-approved loan
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Select the repayment terms that work best for you - 24 to 84 months on new and used autos
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Benefit from no early payoff penalties
*Click here for full CreditBuilder Auto Loan details and disclosures.
TruStage™ Auto & Homeowners Insurance Program
You trust Valley Oak Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage™ Auto & Homeowners Insurance Program.
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The TruStage™ Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members
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Access convenient e-service, pay your bill or make changes to your policy, even report a claim
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Receive fast, easy access to claims service 24 hours a day
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Obtain a free, no-obligation quote
Start Saving!
Recreational Vehicle Loans
Valley Oak is 'Rooted in Your Relaxation!' Valley Oak offers loans for boats, motorcycles, RVs, and more!
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Rates are as low as 4.00% APR* up to 66 months
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Financing up to 100%
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Terms up to 84 months**
So what are you waiting for? Get out there and relax!
Apply Now View Rates & Terms
Credit Union Direct Lending® (CUDL)
Although many members contact us to get pre-approved before shopping for a car, others find themselves on a weekend at the dealership ready to buy. When that happens, Valley Oak can still provide the financing, thanks to our relationship with Credit Union Direct Lending® (CUDL).
More than 900 participating dealerships across the nation can approve your auto loan on site. To find a list of participating dealers, go online to AutoSMART or call the dealership locator at 877.744.CUDL (2835).