Vehicle Loans

Our friendly car financing can put you in the driver's seat.

Apply Online: Vehicle Loans See Rates: Vehicle Loans

No matter what kind of vehicle you are looking for, start here.

We’ll help you find a vehicle or car loan that’s easy on your monthly budget.

Auto Loans

Fuel-efficient compact. Family-friendly SUV. Cargo-carrying pickup. You choose your next ride and let Ventura County Credit Union get you on your way.

  • Fixed auto loan rates for new and used vehicles
  • Finance up to 135% of the total cost, including state fees, sales tax and registration, depending on creditworthiness
  • Flexible repayment terms of up to 84 months
  • Optional Debt Protection in the event of death, disability or involuntary job loss
  • Skip-A-Pay option for loans in good standing

View our Vehicle Loan Checklist to see what you need before you buy.

First-Time Auto Buyers

If you are looking to buy your first car, we have a First-Time Auto Buyer program just for you. To qualify, you must be at least 18 years old, have proof of income, and have worked for your current employer for at least 12 months.

  • Car loan financing for up to $20,000 for new and used vehicles
  • Up to 100% auto financing of the manufacturer’s suggested retail sales price (MSRP) for a new vehicle and Kelley Blue Book retail value for a used vehicle
  • Flexible repayment terms
  • Down payment of at least 10% and proof of insurance

Boat, RV, and Motorcycle Loans

Whether you prefer skimming across the water, motoring down a dirt trail, or exploring local Ventura and Santa Barbara County attractions, ask us how we can get you moving any way that you want.

  • Competitive loans rates for boats, personal watercraft, recreational vehicles, motorcycles and dirt bikes
  • Up to 100% financing, depending on credit worthiness
  • Flexible repayment terms

VCCU is a full-service, California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



New & Used Vehicles up to 36 months

as low as


Get a free CARFAX Vehicle History Report™ with your next used auto purchase. Ask us for your free vehicle history report today!

A moment I will never forget! VCCU gave me the opportunity to get a loan for my first luxury car! I was so excited, just payed it off! Thank you for making my dream come true!

Leticia N., RiverPark Branch

Rates subject to change without notice. The rate and terms for products are determined by the applicant’s credit, payment history, income and collateral. All loans subject to credit and collateral approval.