Vehicle Loans

Whether you’re purchasing a new or used car, boat, RV or motorcycle, VacationLand will build a customized loan to meet your needs*.

We offer a variety of vehicle loans, including:

Vehicle Loan Benefits

  • Easy application process
  • Repayment term options
  • Financing options
  • Competitive interest rates (fixed or variable)
  • Personal attention

Looking for a dealer you can trust? Check out our Dealers of the Month!

 

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*Member must be in good standing with VLFCU. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value.

New/Used Autos

    Rates Effective as of October 1, 2021. Rates subject to change without notice.

    Model Year Term
    (As long as)    		 Fixed Rate
    (As low as)    		 APR* Terms of Repayment

    New/Used
    2022-2020

    		 72 Months 3.75% 4.20%

    APR listed is based on loan amount of $15,000, at a rate of 3.75% resulting in 72 monthly payments of $232.99.

    Used
    2019-2018

    		 72 Months  3.75%  4.20% 

     APR listed is based on loan amount of $15,000, at a rate of 3.75% resulting in 72 monthly payments of $232.99.

    Used
    2017-2016

    		 60 Months  4.75%  5.28% 

    APR listed is based on loan amount of $15,000, at a rate of 4.75% resulting in 60 monthly payments of $281.37.

    Used
    2015-2014 

    		 60 Months  4.75%  5.28% 

    APR listed is based on loan amount of $15,000, at a rate of 4.75% resulting in 60 monthly payments of $281.37.
             
     *APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

    Motorcycles

      Rates Effective as of October 1, 2021. Rates subject to change without notice.

      Model Year Term
      (As long as)      		 Fixed Rate
      (As low as)      		 APR* Terms of Repayment

      New/Used
      2022-2019

      		 72 Months 6.25% 6.71%

      APR listed is based on loan amount of $15,000, at a rate of 6.25% resulting in 72 monthly payments of $250.38.

      Used
      2018-2014

      		 72 Months  7.25%  7.71% 

      APR listed is based on loan amount of $15,000, at a rate of 7.25% resulting in 72 monthly payments of $257.56.
               
      *APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

      RVs, Campers, Motorhomes & Travel Trailers

        Rates Effective as of October 1, 2021. Rates subject to change without notice.

        Amount Term
        (As long as)        		 Fixed Rate
        (As low as)        		 APR* Terms of Repayment
        $25,000+ 180 Months 4.75% 4.81%

        APR listed is based on loan amount of $50,000, at a rate of 4.75% resulting in 180 monthly payments of $388.99.
        $15,000-$24,999  144 Months  4.75%  4.89% 

        APR listed is based on loan amount of $24,999, at a rate of 4.75% resulting in 144 monthly payments of $228.13.
        $10,000-$14,999 120 Months  5.75%  6.03% 

        APR listed is based on loan amount of $14,999, at a rate of 5.75% resulting in 120 monthly payments of $164.97.
                 
        *APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

        Snowmobiles, Personal Watercraft, 4 Wheelers, Dirt Bike, Misc.

          Rates Effective as of October 1, 2021. Rates subject to change without notice.

          Model Year Term
          (As long as)          		 Fixed Rate
          (As low as)          		 APR* Terms of Repayment

          New

          2022-2021

          		 60 Months 8.25% 9.08%

           APR listed is based on loan amount of $10,000, at a rate of 8.25% resulting in 60 monthly payments of $203.97.

          Used
          2021-2019

          		 48 Months  9.25%  10.27% 

          APR listed is based on loan amount of $10,000, at a rate of 9.25% resulting in 48 monthly payments of $250.04.

          Used
          2018-2014 

          		 48 Months  10.25%  11.27% 

          APR listed is based on loan amount of $10,000, at a rate of 10.25% resulting in 48 monthly payments of $254.83.
                   
          *APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.  

          Boats

            Rates Effective as of October 1, 2021. Rates subject to change without notice.

            Amount Term
            (As long as)            		 Fixed Rate
            (As low as)            		 APR* Terms of Repayment
            $25,000+ 180 Months 6.75% 6.82%

            APR listed is based on loan amount of $50,000, at a rate of 6.75% resulting in 180 monthly payments of $442.55.
            $15,000-$24,999  144 Months  6.75%  6.90% 

            APR listed is based on loan amount of $24,999, at a rate of 6.75% resulting in 144 monthly payments of $253.81.
            $10,000-$14,999 120 Months  7.75%  8.05% 

            APR listed is based on loan amount of $14,999, at a rate of 7.75% resulting in 120 monthly payments of $180.03.
                     
            *APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.