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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

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.

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

Best in State Credit Union by Forbes Magazine


That’s how many chats, emails, and calls were served by our local Member Service Center in 2021.

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 are effective December 5, 2023 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: $19.79 at 6.94% 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 © CUNA Mutual Group, 2019. All Rights Reserved.