Drive away with a great rate designed to fit your budget.
Whether you're looking to refinance your existing auto loan or buying a new or used vehicle, now is the perfect time to save.
Low rates
RCU provides better rates than most other financial institutions. Get the car you need without spending a fortune on a loan.
Refinance options
Enjoy the financial relief of a lower monthly car payment when you refinance your auto loan with RCU.
Flexible terms
Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months.1
Easy application
Apply online, in-person, or ask for RCU at your dealership.
Rates1
View all ratesNew, Used and Refinanced Auto Loans
as low as  % APREstimate your monthly payment
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Members love our 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.
Eligibility for RCU Membership
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:
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.
RCU Membership
You or your immediate family member is a current Redwood Credit Union Member.
Your employer
You work for a designated Select Employee Group.
Additional Services
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Hurry — Rate sale ends April 30th!
Apply now and see how much you could save on your refinance or purchase.
Rates
Auto loan online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can apply for a loan through RCU if you meet any of the following criteria:
- 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.
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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