Car Loans

Whether it’s your dream car, first car, refinancing or for the family, we can help you!

Car loans
Whether the vehicle you are searching for is new or used or you are refinancing, our staff can assist you every step of the way.

Rates as low as

4.24% APR¹

A variety of

Low Cost

loan protection products

Delay your first payment

60 Days

Car Loans Features and Benefits

✓  Low, competitive interest rates

✓ Quick and easy online application

✓ Flexible repayment options

✓ Personal Service

✓ No set up fees

✓ Fast approval

Car Loan Rates


Maximum Loan Term

New and Used Vehicles

(2018 and newer)

4.24% - 18.00%

84 Months

Used Vehicles

(2013 - 2017)

4.74% - 18.00%

84 Months


***Restrictions apply, all offers and rates are subject to change at any time.

APR=Annual Percentage Rate. The Annual Percentage Rates are the advertised rates and can vary based on creditworthiness, age of vehicle or RV, loan term and our internal lending criteria which means your rate may be higher. Not all borrowers will qualify. Rates are subject to change but will not exceed 18%. Financing up to 125% of the retail value of the auto may be available but not guaranteed by a source approved by us. Collateral subject to approval. To obtain the lowest advertised rate on a new or used auto or RV, a 20% down payment is required. Down payment discount of .25% (used) and .50% (new) available for auto and RV purchases only. Regardless of promotions and discounts, the rate cannot exceed 2.24% which is the minimum APR offered.

Payment example based off a $20,000 loan: A monthly payment of $496 at 2.24% APR with a 42 month term; A monthly payment of $334 at 3.49% APR with a 66 month term.

Apply Online For A Car Loan

Whether you are ready to refinance or buy a new or used vehicle, our staff here at Credit Union of Richmond is ready to help with a low-rate loan. Apply online today!

Car Loan Resources


Credit Union of Richmond offers competitive rates that help our members keep money in their pockets. First, before you settle for an account, loan or certificate anywhere else, check with us to see what we can offer you. 

Loan Calculator

Do you have a monthly a monthly payment in mind? Do you want help figuring out a monthly payment that suits you? *The loan calculator can help you estimate your loan repayment options.


Want a lower monthly payment on your current vehicle loan from another lender? Credit Union of Richmond has you covered. Learn more about refinancing your vehicle.

*This calculator is for general education purposes only and is not an illustration of current Credit Union of Richmond’s products and offers.

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