Buying a new vehicle can be both exciting and stressful. With an auto loan from VacationLand Federal Credit Union, we handle the stress so you can focus on the excitement. One of our loan advisors will walk you through each step, so you can stay in complete control of the process. Get pre-qualified for your auto loan before stepping onto the lot for additional negotiating power.

Take a look at our rates here.


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  • New or used
  • Low rates
  • Flexible terms
  • Easy repayment plans
  • Pre-approval available
  • Easy application process
  • Fast, reliable service
  • Personal attention
  • Refinancing available
  • Customized loans to fit your needs

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. 

Buying New vs. Used

Knowing whether you should purchase a new or used vehicle can be a tough decision. It comes down to what you want and how much you can afford.

Buying a new vehicle has many advantages, including getting the vehicle exactly as you want it, obtaining a full manufacturer’s warranty, and having little if anything to worry about when it comes to repairs.

However, buying used can be a better choice, especially if your budget is limited. There are many late model vehicles on the market with some of the manufacturer’s warranty remaining.

Two questions to answer before buying a used car:

1) Is it in good mechanical shape?
2) Is it priced fairly?

At VacationLand FCU, we urge you to have any used vehicle you’re considering buying checked by a qualified mechanic. The charge is minimal, usually $50 to $100, and includes checking all the vehicle’s major systems: engine, transmission, electrical, heating, cooling, and brakes.

Fair market value of the car can be determined easily by consulting any reputable pricing guide on the Internet or here at the credit union.

Whether you decide to buy new or used, VacationLand Federal Credit Union urges you to carefully consider all the pros and cons before visiting car lots or dealerships. When you’re ready to buy, we’ll be ready to help with reasonable finance terms and competitive rates.