New and Used Auto Loans

Great rates for whatever moves you… If you have been looking for a way to finance a new, late model, or used car, consider auto loans in Ventura County from Ventura County Credit Union. We are experienced with offering our  members fantastic loans on a variety of vehicles, including trucks, sport utility vehicles, mini vans, and cars. Get a great loan for an equally great car.

Auto Loan Features

Features of our loans may include:

  • Financing up to 110 percent, which includes DMV fees, sales tax, and license
  • Flexible terms
  • Optional Debt Protection in the event of death, disability or involuntary job loss
  • Skip-a-Pay for good standing loans that are at least a year old


Interest will continue to accrue and your original payment schedule may be extended while the total interest will be slightly more over the life of the loan. Other restrictions and qualifications and a small fee may apply. To check eligibility or to request to skip a payment, call Member Services at 805.477.4000.

First Buyers Program

If you’re buying a car for the first time, we have a special First Buyers Program just for you. With this program you will enjoy:

  • Up to 100% financing of the manufacturer’s suggested retail selling price (MSRP) for a new vehicle
  • Up to 100% of the Kelly Blue Book Retail value for a used vehicle
  • Flexible terms
  • Loans up to $25,000

In order to qualify for the First Buyers Program, you must be at least 18 years old, have legal proof of income, and have worked for your current employer for at least 10 months. We also request that you make a down payment of at least 10% and provide us with proof of insurance for your new vehicle.

Auto Loan Dealer Direct Program

​In addition to offering great credit union auto loans, VCCU has formed several partnerships with dealerships in the Ventura County area in order to offer you a secure, efficient and easy way to apply for an auto loan at the dealership of your choice. Now you will be able to take advantage of our great rates and terms without having to make more trips than necessary. Check out our full listing of participating dealerships.

Contact Us Today

For more information about loan rates and terms for motorsport vehicles, boats, motorcycles, RVs, or any of the other vehicles we offer loans for in Ventura County, or if you’d like to learn more about our auto resource center, please get in touch with a knowledgeable VCCU representative today at 805.477.4000.