Vehicle Loans

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

Apply Online: Vehicle Loans See Rates: Vehicle Loans

We can help get you behind the wheel.

Let us steer you toward a 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 Ventura County Credit Union can finance it.

  • Attractive fixed 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

First-Time Auto Buyers

If you are looking to buy your first car, we have a 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.

  • Loans of up to $20,000 for new and used vehicles
  • Up to 100% 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 America's back roads, we can get you moving any way that you want.

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

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

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.