1.844.825.6728  |  support@valorcu.org  |  Routing # 231386331

Vehicle Loans

We offer low, competitive rate financing on all
new and used cars, trucks, vans and motorcycles


  • LIMITED TIME: Vehicle Loan Promotions 2

New (untitled vehicle)

Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 60 1.75%3
100% NADA 61 - 72 1.95%3


Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 60 1.75%3
100% NADA 61 - 72 1.95%3
  • Vehicle Loan

New (untitled vehicle)

Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 84 3.00% - 12.00%3


Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 84 3.49% - 12.49%3
  • Motorcycle Loan

New (untitled vehicle)

Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 84 2.74% - 12.75%3


Max Dollar Amt Financed Term (Months) Rate (APR*)
100% NADA Up to 84 3.74% - 13.24%3

Member's Choice Guaranteed Asset Protection4

Sometimes your asset, such as a car, is worth less than what is owed. In the event of an unrecovered theft or total loss from an accident, your insurance company will only protect the value of the car, possibly leaving you with the balance. GAP may cancel the difference, protecting you from owing on the balance for a low, monthly fee.

It's nice to have time to think it over so, try GAP for 90 days. Starting on your enrollment date, and for the next 90 days, you can benefit from the security of having GAP. If you decide to cancel the protection, simply contact a Member Service Representative for the proper form within that 90 day timeframe and you'll receive a full refund. Prepare for the unexpected by adding GAP coverage from Member's Choice, today.

Member's Choice Borrower Security

Life can be unpredictable so it's important to have the right protection in place, even on your loans. For that reason, we offer a new program called Member's Choice Borrower Security in the case that if something happens to you, your loved ones aren't responsible for paying your debt.

There are three program options to choose from: Loss of Life, Disability, Loss of Life & Disability, and Loss of Life, Disability and Involuntary Unemployment. Each option offers a low-cost premium that is built right into your monthly loan payment making it one less thing to worry about. Plus, as you pay down your loan, the premium goes down as well.

Extended Service Protection

Protect your investment from unexpected, high-cost vehicle repairs with an Intercontinental Warranty Service Agreement. An IWS agreement will pay the cost of parts and labor for mechanical breakdowns on covered vehicles. Other benefits such as: towing, car rental, trip interruption, increased vehicle resale value, roadside assistance and low deductible options, are also available. There are three low-cost levels of protection to choose from: Premier Platinum Coverage, Premier Gold Coverage, and Premier Bronze Coverage.

Talk to a service representative about adding an extended service protection agreement that fits your needs and budget to your vehicle loan, today!

Apply Online

Start Your Application

You may also contact a member service representative by calling 1.844.825.6728 or visit one of our branches.

Conditions & Notes

A processing fee of $99 may apply. A lien recording fee may apply.
* Annual Percentage Rate
1 New auto loan defined as vehicle not previously titled.
2 Rates as low as 1.75% Fixed APR on new and used auto loans for loans up to 60 months and as low as 1.95% APR for 61-72 months. Vehicles must be model year 2009 or newer. Rates and qualification criteria are based on credit worthiness. Processing fee of $99 waived for applications dated prior to 12/31/16. Lien recording fee may still apply. All other rates and terms subject to change without notification. Commercial Accounts, auto loans financed directly through dealership, and current Valor auto loans are excluded.
3 Rate determined on credit worthiness.
4 Your purchase of MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.
Please note all online loan applications are viewed during normal business hours.

Rates current as of: 08/16/2016


Command the Road
  • Whether you’re looking for a new car, pre-owned car, or refinancing your current vehicle, with rates starting as low as 1.75% APR2, you can’t afford to let this offer pass you by.

    Get started, today! Apply online, on the phone, or in-branch.