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
1
Apply Online
Use our secure online loan application portal to provide your details.
2
Get Pre-Approved
We’ll offer you a loan amount with a likely rate for your chosen term.
3
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.
Car Buying Questions
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
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.
| 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 |
