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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. View Eligibility.


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

As low as  % APR


Easy application

Apply online, in-person, or ask for RCU at your dealership.

Flexible loan options

Lower your monthly payment to fit with your budget by choosing flexible terms up to 84 months1.

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

Local service

Our loan officers are local and dedicated to helping you.

RCU Insurance Services

And more...

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
Term Months

Eligibility for an RCU Auto Loan

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:

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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.

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RCU Membership

You or your immediate family member is a current Redwood Credit Union Member.

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Your employer

You work for a designated Select Employee Group.

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. We collected these helpful resources and articles to help you make an informed decision.

Your hard-earned money is safe

  • America's Best Credit Unions icon

    Named one of America’s Best Credit Unions by Newsweek.

  • 5 star superior rating

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • Best in State icon

    Rated Best in State Credit Union by Forbes Magazine 3 years in a row.

Members love the 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.

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 July 21, 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 may be 10 years old or newer and may be financed up to 125% KBB value, for autos 11-15 years old may be financed up 110% KBB value depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.58 at 6.49% APR. 36 month term only applies to purchases, refinanced loans excluded.

    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.
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