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Auto loan

Rate discount extended through 3/31!

Now through the end of March, enjoy a 0.75%1 APR discount.
View Eligibility.

  • 2024-best-CUs

    Named one of America’s Best Credit Unions by Newsweek.

  • 2024-superior-rating-2

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • 2024-best-in-state-2

    Rated Best in State Credit Union by Forbes Magazine 3 years in a row

Members love the local service

Experience the difference of a truly local service with RCU Auto Loans. We're not just in your neighborhood; we're part of your community, dedicated to helping you finance your dream car swiftly and seamlessly. Discover why so many Members choose to finance their cars with us.

Estimate your monthly payment

Monthly Payment

Loan Amount
$
Rate
%
Term Months
24
84
As low as (before discount)  % APR

Highlights

Low rates

RCU provides better rates than most other financial institutions. Get the car you need without spending a fortune on a loan.

Terms up to 84 months

Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months.

Car-finding services2

Searching for your dream car is easy with our concierge car-finding service, RCU Auto Services. We’ll help you find the perfect car for your needs without the hassle, or you can perform a direct dealer search through AutoSMART.

RCU Auto Services

RCU Insurance Services3

Get car financing and insurance protection from one vendor for a convenient car-buying experience.

RCU Insurance Services

And more...

Eligibility for an RCU Auto Loan

If you're not already a Member, you will be once you receive your auto loan! You'll have the funding you need and access to the benefits of a Redwood Credit Union Membership.

You're eligible if you meet any of the following criteria:

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Where you live and work

Work, live, or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.

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RCU Membership

You or your immediate family member is a current Redwood Credit Union Member.

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Your employer

You work for a designated Select Employee Group.

How it works

Accelerate your savings with discounted rates during our Auto Loan Rate Sale!
Buy new or used at a dealership, through a private party, or refinance an existing loan from another lender.

  • 1

    Apply online

    An online application takes only a few minutes. Apply by February 29th to be eligible for the rate discount.

  • 2

    Get approved

    Find out if you're approved for a vehicle loan.

  • 3

    Finalize your loan

    We'll send the funds directly to the dealership, your current lender, or branch nearest you.

Apply for an Auto Loan

Hybrid & EV Loans

Go green and save more

Accelerate your savings during our Auto Loan Sale with 1.00% APR discount through February 29th. Be kind to the planet, reduce your carbon footprint, and love the savings.

Additional Services

Auto Loan Education

Is your auto loan knowledge road ready?

When it comes to buying a car, knowing your options and what you can afford is critical. That is why we have collected these helpful resources and articles to help you make an informed decision.

Top Questions

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

It's easy to buy the car you need

Get an auto loan with low rates and flexible terms to fit your unique budget.

  • 1Discount effective 2/1/24 through 2/29/24.Rates, terms, and special offers subject to change. Discount for purchases and refinances of existing loans from another lender. Restrictions may apply. Rates are effective October 29, 2024 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos must be 15 years old or newer and may be financed up to 125% KBB value, depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.68 at 6.74% APR.

    2RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.

    3Insurance products are not deposits of RCU and are not protected by NCUA. They are not an obligation of or guaranteed by RCU and may be subject to risk. Any insurance required as a condition of an extension of credit by RCU need not be purchased from RCUIS and may be purchased from an agent or an insurance company of the Member’s choice. RCUIS is a wholly-owned subsidiary of RCU. Business conducted with RCUIS is separate and distinct from any business conducted with RCU. License no. 0D91054. NPN 7612227.

    4Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
    GAP-2488407.1-0419-0521 © TruStage. All Rights Reserved.

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