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Vehicle & RV Loans

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.

  • Rates as low as 3.25% APR*¹ up to 60 months
  • Terms up to 84 months for auto loans**
  • Quick and easy application process
  • Refinance today and receive $75!²

Apply for an Auto Loan   View Rates & Terms

Our Auto Buying Guide will help you make the right choices when it comes to buying a vehicle!

Click here for the 2019 Fuel Economy Guide. We know fuel economy is an important factor when looking to buy your next vehicle. You can also visit

  • *APR = Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Valley Oak or other financial institution checking account. This rate includes the 0.50% deduction when enrolled in automatic payments and a 0.25% deduction with an established Premium Checking Account.
  • **For example, 84 monthly payments of $14.00 per $1,000 borrowed.
  • ¹All new and refinanced vehicles from 2010 and newer with under 100,000 miles. Current Valley Oak auto loans are not eligible for this rate.
  • ²Valley Oak Credit Union membership required. This offer is good for non-Valley Oak Credit Union vehicle loans only and is contingent on meeting income and loan-to-value eligibility requirements. Minimum refinance amount is $10,000. Vehicle model years 2014 or newer. Rates and terms depend on the individual creditworthiness of each borrower. $75 bonus will be deposited into your Share Savings account (Membership account) upon disbursement of loan funds. Loan rate effective 11/05/2019 and subject to change without notice. Rate reflects a term of up to 60 months.

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 For more information, visit the Direct Sales & Lease website.

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.

  • The TruStage™ Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members
  • Access convenient e-service, pay your bill or make changes to your policy, even report a claim
  • Receive fast, easy access to claims service 24 hours a day
  • Obtain a free, no-obligation quote

Start Saving with TruStage

The TruStage™ Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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.

  • Your auto loan rate will be reduced by 0.25% every six months as long as you make your monthly payments on time*
  • 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

Apply for an Auto Loan

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:

  • Apply online or call for a pre-approved loan
  • Select the repayment terms that work best for you - 24 to 84 months on new and used autos
  • Benefit from no early payoff penalties

*Click here for full CreditBuilder Auto Loan details and disclosures.

*Rates and loan terms subject to credit approval. Loan interest accrues from loan origination date. Other conditions may apply. Membership eligibility required. Rates are subject to change. Contact the credit union for full details.

Recreational Vehicle Loans

Valley Oak is Rooted in Your Relaxation! Valley Oak offers loans for boats, motorcycles, RVs, and more.

  • Rates are as low as 5.25% APR* up to 66 months
  • Financing up to 100%
  • Terms up to 84 months**

So what are you waiting for? Get out there and relax!

Apply for a RV Loan   View Rates & Terms

  • *APR = Annual Percentage Rate. Automatic payment enrollment applicable from any Valley Oak or other financial institution checking account. This rate includes the 0.50% deduction when enrolled in automatic payments and a 0.25% deduction with an established Premium Checking Account.
  • **For example, 84 monthly payments of $15.00 per $1,000 borrowed (2010 and newer).

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).

Visit a participating California dealerships and they 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).