New or Used Auto Loans

Shop With Confidence and Save Money on Your Next Auto

You're in the market for a car! It is an exciting time and a big decision. Getting pre-approved before visiting the dealership is a simple step you can take to ensure you make the best decision possible. Shop with confidence once you’ve secured the best financing option and have a better understanding of your buying power.

We’ve been helping members get affordable auto financing for over 80 years, and counting. Our program features flexible repayment terms of up to 84 months3 and up to 125% financing, including taxes, tags and other added services.
 

Rates

New Auto Loans3

TermExample Loan AmountAPR As Low AsExample Monthly Payment4
36 Month$20,0003.49%$653.22
48 Month$20,0003.74%$514.51
60 Month$20,0003.74%$430.37
72 Month$20,0004.74%$385.08
84 Month$20,0005.74%$356.76

Used Auto Loans3

TermExample Loan AmountAPR As Low AsExample Monthly Payment4
36 Month$10,0003.49%$333.41
48 Month$10,0003.74%$262.61
60 Month$10,0003.74%$219.66
72 Month$10,0004.74%$196.55
84 Month$10,0005.74%$182.10

Frequently Asked Questions

Do members have access to discounts?

Yes! As a valued member of Viriva, you can receive exclusive loan rate discounts on your next Auto Loan, up to .75% off*. Learn More about our member loan rate discount options.

How do I get started on buying a used car?

We have several resources to help you through the car buying process. Ready to start your loan application? You can Apply Online now.

Learn About:

How can I find out more information about a used vehicle’s history before I buy?

Our credit union provides a CARFAX Vehicle History Report™ to help protect our members from salvage, total loss, structural damage, lemon, and flood vehicles. Learn more about CARFAX reports here.

What do I need to get started with a new or used auto loan?

You can apply Online Here or call us at 888-7-Viriva. Please have the following information ready:

  • Member and Social Security number
  • Employer name and length phone number
  • Annual gross income amount
  • Monthly housing payment
  • Vehicle description
  • Price or current value
How can I become a Member?

Open a savings account with a minimum deposit of just $5.00 to join Viriva! Submit an ONLINE MEMBERSHIP REQUEST now or learn more about the Viriva difference.



Viriva Auto Loan Program Includes:

  • Exclusive member loan savings offers - Get Details › 
  • Auto Buying Resources › 
  • Member’s Choice Borrower Security Debt Protection option
  • Guaranteed Asset Protection option (GAP)
  • Mechanical Repair Coverage option (MRC)