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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!

Why should you refinance?​​

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

  • Rates as low as 6.00% APR*¹
  • Make NO PAYMENTS for 90 days on refinanced auto loans!*
  • Terms up to 84 months**
  • Quick and easy online application process
  • 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 

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 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.

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.