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Auto loan

Buy the car you need with a loan you can afford

Get a car loan that works for your budget.


Feel confident buying the car you need with a payment that’s just right for you.

As low as  APR


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 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...

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
Term Months

How it works

When you're ready to buy a new or used vehicle, get a loan in three easy steps.

  • 1

    Apply online

    An online application takes only a few minutes.

  • 2

    Get approved

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

  • 3

    Buy your next vehicle

    We'll send the funds directly to the dealership or branch nearest you to purchase from a private party.

Apply for an Auto Loan

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.

  • ChatCallsEmails_icon8

    That's how many chats, emails, and calls were served by our local Member Service Center in 2020.

  • forbes-largest3

    Best in State Credit Union by Forbes Magazine

The Homem family shares why they use RCU Auto Services when buying a car.

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.

  • 1Rates effective November 26, 2022. All rates, terms and special offers subject to change. Certain restrictions apply. 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.