Skip to main content


Credit Union Direct Lending® (CUDL)

Although many members contact us to get pre-approved before shopping for a car, others find themselves on a weekend at the dealership ready to buy. When that happens, Valley Oak can still provide the financing, thanks to our relationship with Credit Union Direct Lending® (CUDL).

Visit a participating California dealerships and they can approve your auto loan on site. To find a list of participating dealers, go online to AutoSMART or call the dealership locator at 877.744.CUDL (2835).

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.