Let's get you into a car you can afford
Whether you’re looking for a regular or a green vehicle, our member service consultants are here to make sure you’re getting our best auto loan rate, term, and payment plan for your financial situation.
Benefits
-
Low rates
We offer the same annual percentage rate, as low as 5.50%1, for new and used cars and trucks, and even further discounted rates for green vehicles.
-
115% Financing
Finance up to 115% of the vehicle high book value at VSECU, so you can get the vehicle you really want.
-
Flexible terms
We offer flexible terms and payment options to meet your unique needs.
Buying a green vehicle?
If you’re buying a plug-in electric hybrid, electric, alternative fuel, or high-efficiency vehicle, save money with our Green Vehicle Loan. Designed to cover any green make and model, our Green Vehicle Loan offers even lower rates and extended terms. This loan is available for the following:
- Vehicles with a combined city/highway MPG higher than 35 as defined on FuelEconomy.gov.
- Vehicles that run on alternative fuels like fuel cells, ethanol, natural gas, propane, and hydrogen.
- Electric motorcycles.
Going electric? Get a discounted rate.
If you’re buying an all-electric or plug-in electric hybrid vehicle, you can get an additional 0.50% off our already low Green Vehicle Loan rates. Simply apply using the Green Vehicle Loan application and we’ll take care of the rest.
Current rates
|
Term |
APR as low as |
|---|---|
|
APR = annual percentage rate, effective as of 11/6/2023 and reflects the current minimum APR offered. |
|
|
Term 24 months |
APR as low as 5.50% |
|
Term 36 months |
APR as low as 6.20% |
|
Term 48 months |
APR as low as 6.40% |
|
Term 60 months |
APR as low as 6.85% |
|
Term 72 months |
APR as low as 7.30% |
|
Term 84 months |
APR as low as 7.75% |
|
Term |
APR as low as |
|---|---|
|
APR = annual percentage rate, effective as of 11/6/2023 and reflects the current minimum APR offered. APR reduced by an additional 0.50% for all-electric and plug-in electric vehicles. |
|
|
Term 24 months |
APR as low as 5.00% |
|
Term 36 months |
APR as low as 5.70% |
|
Term 48 months |
APR as low as 5.90% |
|
Term 60 months |
APR as low as 6.35% |
|
Term 72 months |
APR as low as 6.80% |
|
Term 84 months |
APR as low as 7.25% |
|
Term 96 months |
APR as low as 7.75% |
Estimate your monthly payment
Select the loan type then enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.
Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.
Pay less on your electric car
Buying an electric or plug-in electric hybrid car? If you have an account with one of our electric utility partners you may be eligible for rebates and incentives. We make it easy for you to save by applying rebates and federal tax credits directly to your principal balance. Learn more about available rebates by clicking on your utility partner below:
-
Burlington Electric Department
-
Green Mountain Power
-
Washington Electric Cooperative
Added protection for peace of mind.
In addition to the protection options below, all VSECU members have access to free Accidental Death & Dismemberment insurance to help give your loved ones a safety net in the event of your accidental death. Learn more and see all VSECU insurance options
-
Guaranteed Asset Protection (GAP)
If your vehicle is stolen or totaled in an accident, you can use GAP insurance to bridge that “gap” between the vehicle’s value and the amount you still owe on the loan. GAP Advantage not only pays the difference between the vehicle’s value and the balance of the loan owed, but will also cover the deductible and $1,000 towards the purchase of a new car if you finance with VSECU.
-
Mechanical Breakdown Protection (MBP)
This complete line of coverage is designed to keep your vehicle on the road. No matter where you travel in the United States, MBP can protect you against major mechanical expenses, and there is no deductible on covered parts or labor. This plan includes a rental car allowance and 24/7 emergency roadside service.
-
Debt Protection
Paying off debt is easy enough when things are going well. But what happens when things go wrong? If you pass away, become disabled, or lose your job, who will pay your debt? Debt protection can safeguard your payment history and assets by canceling your balances or debt payments, up to the contract maximums.
Related resources
-
Why Finding the Best Interest Rate on a Car Loan Isn’t So Important
If you’ve ever purchased a vehicle, you probably know that you can spend almost as much time shopping for rates …
Read more -
Five Tips for Buying a Car with Bad Credit
Do you want to buy a car but worry that your bad credit will make it impossible for you to …
Read more -
Driving Green: Are You Ready for a Hybrid?
WHAT’S THE DIFFERENCE BETWEEN HYBRID AND ELECTRIC VEHICLES? Hybrid vehicles rely on more than one form of fuel for power …
Read more
Apply for an auto loan
If you are already a member and want to apply for an auto loan, it’s easier to open an account once you’ve logged into online or mobile banking. That way we can save you time by pre-filling the application with your information.
Disclosures
- 1
- – Other rates and terms may be available. APR = annual percentage yield may be adjusted based on your individual credit standing and term. Payment example: $25,000 loan for 60 months at 3.45% APR will have a monthly payment of $454.00.