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Vehicle Loans

Purchase a new ride or refinance your current one in no time!

When shopping for a new vehicle that’s perfect for you but also affordable, it’s easy to feel overwhelmed. But don’t worrywe can take care of the financing so you can make sure you get exactly the vehicle you’re hoping to find.

With RRCU, you’ll get great loan terms on vehicles, including cars and trucks, as well as boats, jet skis, ATVs, and motorcycles. We even offer loans for repossessed vehicles! RRCU loans include the following features and options:

*Some restrictions apply.

Want to refinance the vehicle you already have?

Refinancing your existing vehicle can be a great financial strategy for paying off your vehicle quickly or reducing your payments each month. Our vehicle loans can help with refinancing, too. Apply above to see your refinancing options.

  • Auto Loan Rates

    Loan Type Term* APR** As Low As
    New 2022  up to 84 months  5.29 %
    2021 up to 84 months  5.29 %
    2020 up to 72 months  5.79 %
    2019 up to 72 months  5.79 %
    2018 up to 72 months  5.79 %
    2017 up to 48 months  6.29 %
    2016 & Older up to 36 months  6.79 %

    Rates Effective: 9/28/2022

    *Terms may be extended on Auto Loans to 84 months at 60 month rate with approved credit and loan amount - Purchase or refinance from other institution only on a 2017 year model or newer - $17,000 minimum. 
    **APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

  • Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle)

    Loans under $25,000

    Loan Type Term APR* As Low As
    New up to 60 months 6.29 %
    Used up to 60 months 6.69 %

    Loans over $25,000

    Loan Type Term APR* As Low As
    New up to 144 months 6.69 6.69 6.69 9.09 %
    Used up to 144 months 9.59 %
     

    Rates Effective: 9/28/2022

    *APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.

  • Repo Rate

    All Year Models are 6.04 % APR*

    Rates Effective: 9/28/2022

    *APR = Annual Percentage Rate. Rate subject to change without notice. With Approved Credit. Extended terms are available.

Estimate your loan terms and payments

Get a better idea of how your loan will impact your finances. Whether you’re purchasing a new vehicle or refinancing, you can use this auto loan calculator to see your estimated loan terms now:

Estimate your loan payments

Apply for your vehicle loan today

Find your perfect vehicle and get great financing with an RRCU vehicle loan. Or, see if you qualify for better terms on your existing vehicle loan. Click below to apply now:

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.