Auto Loans

New and Used Auto Loans

Great rates for whatever moves you... new, late model and used cars, trucks, mini vans and sport utility vehicles.

Terms up to 84 months, financing up to 110% including sales tax, DMV fees, license and optional Debt Protection in the event of death, disability or involuntary job loss. Check out our current low loan rates and complete an online application for added convenience.

If your loan is at least a year old and in good standing, you may be eligible for Skip-A-Pay. 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.

Buying your first car? Ask about our First Time Buyer Program.

Features include:

  • Loans up to $25,000
  • Terms up to 72 months
  • New Auto: Finance up to 100% of the manufacturer’s suggested retail selling price (MSRP)
  • Used Auto: Finance up to 100% of the Kelley Blue Book Retail value

You must be at least 18 years old, have proof of income and minimum of 10 months with your current employer. You also need to make a minimum down payment of 10% and have proof of insurance. Call or e-mail one of our loan specialists for more information or additional program qualifications.

RVs, Travel Trailer and 5th Wheel Loans

Roam the roads in style. Terms are up to 180 months. Check our latest loan rates.


We'll put you in the driver's seat for all kinds of fun in the sun! Terms are up to 84 months. Take a look at our great loan rates.

Boat Loans

Sail away with terms up to 84 months. Check our latest loan rates.


Jet skis, ATV's and Dirt Bikes, terms up to 60 months. Check our latest loan rates.

Auto Loan Dealer Direct Program

VCCU has teamed up with a number of local Ventura County dealerships to offer a simple, convenient and secure way to apply for an auto loan right at the dealership. Enjoy VCCU’s low auto loan rates while choosing a new or used car, truck or SUV all at the same time and place! Click here for a list of participating dealers.

Auto Resource Center

It's your one-stop source for vehicle information, reviews, pricing, insurance, financing and even purchasing.

  • Are you interested in researching a new car? View all the new makes and models online.
  • Are you looking to sell your old car? Compare trade-in value with retail selling prices.
  • Do you want to read safety and handling reviews before buying? Read reviews and even compare reviews with similar models.
  • Do you want to have someone else find your car, in your price range? Autoland representatives can find your car for you, or search their inventory at Advocar.
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