Buy the car you need with a loan you can afford
Get a car loan that works for your budget.
Overview
Feel confident buying the car you need with a payment that’s just right for you.
Rates1
View all rates-
Highlights
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Low rates
RCU provides better rates than most other financial institutions. Get the car you need without spending a fortune on a loan.
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Terms up to 84 months1
Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months.
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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.
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RCU Insurance Services3
Get car financing and insurance protection from one vendor for a convenient car-buying experience.
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And more...
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
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Apply online
An online application takes only a few minutes.
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Get approved
Find out if you're approved for a vehicle loan.
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Buy your next vehicle
We'll send the funds directly to the dealership or branch nearest you to purchase from a private party.
Why Choose RCU?
At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
Best in State Credit Union by Forbes Magazine
Rated 6th healthiest credit union in the US by Glatt Consulting HealthScore in 2023
The Homem family shares why they use RCU Auto Services when buying a car.
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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.
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1Rates are effective April 23, 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: $17.62 at 2.29% 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.
Rates
Calculator
Monthly Payment
Apply
Not a Member?
Begin your loan application. Review our Membership requirements below to determine if your are eligible.
Already a Member?
Log in to RCU online banking to start your prefilled application.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Already applied in person or over the phone?
To check the status of your loan, view any loan conditions, or to upload any requested documents.
All 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 months1
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 Insurance Services3
Get car financing and insurance protection from one vendor for a convenient car-buying experience.
-
Shop pre-owned vehicles
Get your auto loan and car from the same vendor for unmatched convenience. Find your next vehicle using AutoSMART, a trusted place to shop for used cars.
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Mechanical breakdown protection (MBP)
Don’t let a mechanical failure hurt your budget. Protect your wallet from breakdowns with RCU’s mechanical breakdown protection.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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