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Used Auto

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

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!

  • Rates as low as 5.50% APR*¹
  • Make NO PAYMENTS for 90 days on used auto loans!*
  • Terms up to 84 months**
  • Quick and easy online application process

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!

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. 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.

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.