Are you a first-time car buyer? 

Shopping for your first car can be intimidating, so Valley Oak is here to help! 

With Valley Oak's First Time Auto Buyer Program, we have the perfect auto loan for you. Financing a vehicle is possible, even if you have a lack of credit history.  Even if this is your first time financing a vehicle, or your first time taking out a loan, Valley Oak is rooting for you to get that new ride!

Valley Oak offers First-Time Buyers with low or no credit history 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*

Apply Today View Rates Calculate Your Loan Payment

Not a Member? Drop by one of our branches to join and open a new account or Become A Member Online

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

Explore the Department of Energy (DOE) and Environmental Protection Agency's (EPA) Fuel Economy website where you can learn about various fuel economy topics, calculate annual fuel costs, find emissions information for new model vehicles, compare vehicles side-by-side, and so much more!

Visit the DOE and EPA's Fuel Economy Website

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.

*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.