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When you refinance your auto with Valley Oak
Valley Oak wants to help you achieve the lowest interest rate possible on your auto loan. Start saving time and money today by refinancing your car, truck or SUV with a great loan and great rate from Valley Oak!
Refinancing has a lot of benefits, here are a few!
APply for Auto Loan VIEW RATES & TERMS 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
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
*Rates and loan terms subject to credit approval. Loan interest accrues from loan origination date. Ninety (90) day no payment ONLY for refinance loans from another financial institution only - offer not valid for new or used vehicle purchase loans. Other conditions may apply. Membership eligibility required. Rates are subject to change. Contact the credit union for full details.
Payment Example: A $25,000 auto financed at 6.00% Annual Percentage Rate (APR) for a 60-month term – monthly payments are $20.00 per $1,000 borrowed.
Requirements: Loan must be approved through normal underwriting guidelines.
Eligible Loan Types: All vehicles
Ineligible Loan Types: Any mortgage loan including home equity lines of credit, overdraft & unsecured lines of credit, share/certificate secured, credit card and Recreational Vehicle.
Loan Amount: Loan amounts will vary based on credit, income, employment, etc. Valley Oak will work with the member to find an amount appropriate for the member’s situation.
**Repayment Terms: Terms will vary by loan type however payments will be level throughout term of the loan. The minimum term is 12 months, maximum term is 84 months.
Minimum Loan Amount: The minimum loan amount is $7,500 for up to 48 months. Minimum loan amount is $10,000 for 49-66 months. Minimum loan amount is $15,000 for 67-78 months. Minimum loan amount is $20,000 for 79-84 months.
Interest Rates: Rates are determined by the member’s credit score, the loan term, age, mileage and Loan-to-Value (LTV) of the vehicle.
Fees: There is no processing fee. Late charges will be assessed 6% of the payment due or $20.00 whichever is greater.
Early Payoff Penalty: None.
With a pre-owned auto loan from Valley Oak.
Buying any vehicle, even a used vehicle is an exciting purchase, and we can't wait to see you in your new ride! Valley Oak has the rate, terms, and personalized service needed to get you there. Start saving money today by buying or refinancing that high-rate loan you have with the other guys, with a low rate auto loan from Valley Oak!
APPLy today VIEW RATES & TERMS Calculate Your Loan Payment
Our Auto Buying Guide will help you make the right choices when it comes to buying a vehicle!
*Rates and loan terms subject to credit approval. Loan interest accrues from loan origination date. Ninety (90) day no payment ONLY for refinance loans from another financial institution - offer not valid for new or used vehicle purchase loans. Other conditions may apply. Membership eligibility required. Rates are subject to change. Contact the credit union for full details.
With a new auto loan from Valley Oak.
When looking to buy a new car, it's important to make sure you're getting a good deal— and the same can be said for your auto loan! Rest assured that we have the rate, terms, and personalized service you need when purchasing your new ride! Start saving money today by buying or refinancing your new car, truck or SUV with a great loan and great rate from Valley Oak.
*Rates and loan terms subject to credit approval. Loan interest accrues from loan origination date. Ninety (90) day no payment for refinance loans from another financial institution only - offer not valid for new or used vehicle purchase loans. Other conditions may apply. Membership eligibility required. Rates are subject to change. Contact the credit union for full details.
Payment Example: A $25,000 auto financed at 5.50% Annual Percentage Rate (APR) for a 60-month term – monthly payments are $20.00 per $1,000 borrowed.
Repayment Terms: Terms will vary by loan type however payments will be level throughout term of the loan. The minimum term is 12 months, maximum term is 84 months.
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
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.
Whether you're trying to build your credit for the first time or rebuilding your credit after bankruptcy, Valley Oak has a second chance auto loan just 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 lack of credit or low credit score doesn’t mean the end of the road at Valley Oak, our Credit Builder auto loan can get you back in the driver’s seat!
APPLY FOR AN AUTO LOAN View Rates Calculate My Loan Payment
Not a Member? Drop by one of our branches to join and open a new account or Become A Member Online 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:
This type of loan is available to members who have impaired credit and desire to rebuild their credit. By making on-time payments, members have the opportunity to reduce their interest rate and save money. Contact us today and a Valley Oak representative can assist with making the most affordable choices.
Payment Example: A $15,000 credit builder auto financed at 10.95%APR; 48 monthly payments of approximately $388.00 each.
Requirements: Loan must be approved through normal underwriting guidelines. A member qualifies for this program if their credit score is 639 or below.
Interest Rates: Rates are determined by the member’s credit score, the loan term, age, mileage and Loan-to-Value (LTV) of the vehicle. Rate will be reduced by 0.50% for AutoPay on an established Valley Oak Credit Union checking account. If the member makes on-time payments for 6 consecutive months, their interest rate will be reduced by 0.25%. This process will continue for the life of the loan. Rate will match Tier 4 base rate plus 2 points.
Rate Deduction: 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.
Skip-a-Pay Program: Credit Builder Auto Loans are not eligible for Valley Oak’s Skip-a-Pay Program.
CPI Program: If Valley Oak has to add-on force placed insurance the loan will not be eligible for the .25% rate discount during the current 6 month period. If the member gets their own vehicle insurance and the force placed insurance policy is cancelled, then the loan will be eligible for the .25% rate discount during the next 6 month period.
*All existing Valley Oak Credit Union loans do not qualify for this program.
The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.
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