Let us lower your monthly payment!

As a member of Valley Oak, you already understand the advantages of belonging to the credit union that treats you right, with no surprises. And now we’re adding to your membership by offering you the opportunity to save money on your auto loan with another lender by refinancing with us. Contact us today to start the refinance process and you could receive a $100 bonus.1

Not only will you receive a great rate, but you’ll enjoy even more benefits by financing your next auto loan with us:

  • Rates as low as 1.75% APR*
  • Terms up to 66 months
  • Automatic Payment2
  • Established Premium Checking account3
  • Direct Deposit / Payroll Deduction
  • Optional Payment Protection
  • Optional Guaranteed Auto Protection (GAP) coverage
  • Optional Extended Warranty

Valley Oak has been supporting families and their journeys for over 70 years and we’re here for you now with our low-rate, money-saving, benefit-packed auto loans. All you have to do is call or stop by. It’s really that simple! And if we can’t beat your current rate, you will receive a $25 VISA Gift Card.4

We’re excited for this opportunity to show you how We’re Rooted in Your Growth by increasing your membership with us, while saving and earning you more than you are today.

Thank you for your membership!

Apply Now   View Rates & Terms

*APR = Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Final lowered rate with all promotional discounts applied cannot go below 1.75% APR. The APR/Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan at time of actual loan application. Your rate can be higher or lower depending on credit performance at the time of official auto loan application and the term chosen. Financing up to the retail value of the auto is available. Rate is subject to change without notice and is subject to change depending on collateral age and mileage. Refinanced auto loan must be in the amount of $5,000 or greater. Auto loans currently financed through the Credit Union cannot be refinanced with this offer and no other discount offers apply. For example, 48 monthly payments of $21.70 per $1,000 borrowed. Offer not valid on exisiting Valley Oak loans. Offer Expires 11/15/17
¹ In order to receive your $100 bonus, you must refinance an auto loan of $10,000 or higher. We will deposit the $100 bonus into your Valley Oak account within five (5) business days of the loan funded.
2 Receive the lowest possible rate by enrolling in automatic loan payments. Valley Oak will automatically deduct your auto loan payment from your account at Valley Oak or any other financial institution on the monthly due date. Final lowered rate with all promotional discounts applied cannot be lower than 1.75% APR.
3 Receive the lowest possible rate by also having an established qualified checking account. Final lowered rate with all promotional discounts applied cannot be lower than 1.75% APR.
4 In order to receive your $25 Visa gift card, Valley Oak must go through the full process of the auto refinance in order to determine if your current interest rate can be lowered. If not, then a $25 gift card will be provided.