New or Used Car Loans

Credit union vehicle loans make it easy to buy or refinance a car, boat, motorcycle, RV, or anything else you need to get where you want to go.

New & Used Car Loans

Rates as low as

4.99% APR*

Car Loan Refinance

Rates as low as

4.99% APR*

Benefits of Credit Union Vehicle Loans

Great Rates

Credit unions can offer lower rates because we’re not-for-profit.

Generous Terms

Find a payment to suit your budget with our wide range of loan terms.

New and Used

Buy a brand-new vehicle or explore older models that fit your budget.

Friendly Service

We’re here to support you and service your loan with simple payment options.



“I’ve been a customer for 42 years and I have always been happy with the friendly, helpful service. Interest rates on the loans I’ve had in the past have been the best I could find.”

Jeff L., Richmond, VA


Simple Application Process for Vehicle Loans



Apply Online

Use our secure online loan application portal to provide your details.


Get Pre-Approved

We’ll offer you a loan amount with a likely rate for your chosen term.


Find Your Vehicle!

With your loan ready to go, you’re in a strong position at the dealership.



Car Buying Program

That’s what you can expect when you buy a car the Call Federal way. From our Check-In-Hand loans to our dedicated team of vehicle lending specialists, our Car Buying Program is designed to give you everything you need from the moment you start thinking about purchasing a vehicle until you drive off the lot in your new car.

Smart Shopping Tools

Our dedicated lending team is standing by to help you at any stage of your car-buying process, but we also offer these great tools to ensure that you get the right vehicle for you and your specific situation.

FAQ About Credit Union Vehicle Loans

We offer a wide range of vehicle loans in Richmond so our members can buy new and used models to suit your busy lifestyle. Vehicles include:

  • Cars loans, trucks, and SUVs
  • Motorcycles
  • Boats, jet skis, and other personal watercraft
  • Recreational vehicles (RVs) and campers
Note that newer models get lower loan rates and higher credit scores get lower rates.

Your loan term has a big impact on your monthly payment, the APR (annual percentage rate) you get, and the total amount of interest you pay, which is also called your total cost of borrowing.

  • Short terms offer lower rates and less total interest but higher monthly payments.
  • Long terms offer higher rates and more total interest but lower monthly payments.
  • While 84 months is our longest term offered, you can save on interest if you choose a term of 72 months or shorter.
  • Terms available may vary based on your credit, loan-to-value ratio (LTV), and chosen vehicle model.

Credit unions exist to serve their members, not outside stockholders. For Call Federal, that means we can offer lower rates on loans, higher rates on deposits, and fewer fees to our members in the Greater Richmond metro area. We also offer a streamlined auto financing experience!

  • We can pass our revenue back to you because we're not-for-profit.
  • You get better rates and lower fees – or no fees on certain accounts.
  • We can listen to your story and work with you to improve your credit and get you the financing you need.
  • We can help explain all terms and conditions and communicate any other restrictions that may apply.
Please contact us to find out how we can help you and your family get an affordable payment so you can buy a vehicle to suit your busy lifestyle.

Product Term (months) Rate Amount Payment
New Vehicle 72 6.49% $45,000 $759
Used Vehicle 60 6.49% $25,000 $491
Leisure Vehicle 60 7.00% $10,000 $199
Leisure Vehicle (Boat) 60 8.75% $15,000 $311
Recreational Vehicle 60 7.50% $25,000 $503
Personal Loan 36 9.75% $5,000 $162

*APR = Annual Percentage Rate. APR listed assumes 2020 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), top-tier credit, and maximum rate discount of .75% with Call’s Rate Discount Program. All discounts are only available at the time the loan is processed. Current vehicle loan rates range from 4.99% – 15.24% APR. Rates subject to change but will not exceed 18.00%. Not all will qualify for the lowest rate. Vehicle must be a 2015 or newer. Refinance offer not valid on existing Call Federal loans. Income and insurance verification required. Loan will still accrue interest with no payments for 60 days. Other restrictions and conditions may apply.

Ways to Apply

Online Icon

Apply Online

Get in the car of your dreams with our quick online application.

Branch Icon

Meet Us

Our branch staff can help you apply and get a check in your hands.

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Call Us

Our loan specialists can help find a payment that works for you.