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New Auto

We're Rooting for You to get that New Ride!

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 as low as 1.75% APR*¹ PLUS make NO PAYMENTS for 90 days!*
  • Terms up to 84 months**
  • Quick and easy application process

APply for Auto Loan 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!

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

*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.

Payment Example: A $25,000 new auto financed at 1.75%APR ; 60 monthly payments of approximately $436.00 each. 

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 and the loan term. 

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.