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We're rooting for your rate!

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!

Why should you refinance?​​

Refinancing has a lot of benefits, here are a few! 

  • Lower your interest rate- If your credit has improved since your original loan, you may be eligible for a lower interest rate!
  • Decrease your monthly payment- By refinancing, you could lower your monthly payment making your auto loan more budget friendly! 
  • Shorten the term of your loan- Pay on your loan for a shorter period of time by refinancing and changing the term of your loan.


APply for Auto Loan VIEW RATES & TERMS Calculate Your Loan Payment  

  • Rates as low as 1.75%*
  • Terms up to 84 months**
  • Quick and easy application process

*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 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.