If you have not set up your username, please enter your member number.
If you're looking to buy or refinance your new or used vehicle, we have the rate, terms, and personalized service you need! We have great rates, so start saving money today by buying or refinancing that high-rate loan you have at another institution with a great rate from Valley Oak.
Apply for an Auto Loan View Rates & Terms
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 fueleconomy.gov.
* Rate reflects a 0.50% rate deduction with automatic payment from an established Valley Oak checking account, or a 0.25% rate deduction when enrolled in automatic payment from another financial institution. An additional 0.25 rate deduction may be taken off if member has three (3) or more qualifying services with Valley Oak. Current Valley Oak auto loans are not eligible for this rate and offer. (See Loan Officer for details.)
**For example, 84 monthly payments of $14.00 per $1,000 borrowed.
¹All new and refinanced vehicles from 2011 and newer with under 100,000 miles. Current Valley Oak auto loans are not eligible for this rate.
We have the partner for you! Direct Auto Sales & Lease offers a great service to Valley Oak members in the market for a vehicle. Buying a vehicle is the 2nd biggest purchase in most people’s lives, and it should not be a stressful or intimidating experience, but rather a car buyer should be treated with respect, honesty, dignity, and with no pressure or games. Contact Dan Del Campo at 559.304.8749 or at firstname.lastname@example.org. For more information, visit the Direct Sales & Lease website.
You trust Valley Oak Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage™ Auto & Homeowners Insurance Program.
Start Saving with TruStage
The TruStage™ Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
Are you a 1st-time car buyer or are you someone that has
a blemished credit score? If so, we have the perfect auto loan 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.
Apply for an Auto Loan
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:
*Click here for full CreditBuilder Auto Loan details and disclosures.
*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.
Valley Oak is Rooted in Your Relaxation! Valley Oak offers loans for boats, motorcycles, RVs, and more.
So what are you waiting for? Get out there and relax!
Apply for a RV Loan View Rates & Terms
* Rate reflects a 0.50% rate deduction with automatic payment from an established Valley Oak checking account, or a 0.25% rate deduction when enrolled in automatic payment from another financial institution. An additional 0.25 rate deduction may be taken off if member has three (3) or more qualifying services with Valley Oak. (See Loan Officer for details.)
**For example, 84 monthly payments of $14.00 per $1,000 borrowed (2010 and newer).
Open an Account