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Vehicle Loans

Purchase a new ride or refinance your current one in no time!

When shopping for a new vehicle that’s perfect for you but also affordable, it’s easy to feel overwhelmed. But don’t worry–we can take care of the financing so you can make sure you get exactly the vehicle you’re hoping for.

With RRFCU, you’ll get great loan terms on vehicles, including cars and trucks, as well as boats, jet skis, ATVs, and motorcycles. We even offer loans for repossessed vehicles! We offer the following features:

*Some restrictions apply.

Want to refinance the vehicle you already have?

Refinancing your existing vehicle can be a great financial strategy for paying off your vehicle quickly or reducing your payments each month. Our vehicle loans can help with refinancing, too. Apply above to see your refinancing options.

  • Auto Loan Rates

    Loan Type Term* APR As Low As**
    New 2020  up to 84 months  2.99%
    2019 up to 84 months  2.99%
    2018 up to 72 months  3.49%
    2017 up to 72 months  3.49%
    2016 up to 72 months  3.49%
    2015 up to 48 months  3.99%
    2014 & Older up to 36 months  4.49%
    *Terms may be extended on Auto Loans to 84 months at 60 month rate with approved credit and loan amount - Purchase or refinance from other institution only on a 2015 year model or newer - $17,000 minimum. 
    **APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
  • Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle)

    Loans under $25,000

    Loan Type Term* APR As Low As**
    New up to 60 months 4.49%
    Used up to 60 months 4.89%

    Loans over $25,000

    Loan Type Term* APR As Low As**
    New up to 144 months 4.89% 4.89% 4.89% 7.29%
    Used up to 144 months 7.79%
    *APR = Annual Percentage Rate. Rate and term based on credit score and new or used model. Rate subject to change without notice. With Approved Credit. 
  • Repo Rate

    All Year Models are 3.74 % APR*

    View Inventory

    *APR = Annual Percentage Rate. Rate subject to change without notice. With Approved Credit. Extended terms are available.

Estimate your loan terms and payments

Get a better idea of how your loan will impact your finances. Whether you’re purchasing a new vehicle or refinancing, you can use this auto loan calculator to see your estimated loan terms now:

Estimate your loan payments

Apply for your vehicle loan today

Find your perfect vehicle and get great financing with an RRCU vehicle loan. Or, get better terms on your existing vehicle loan. Click below to apply now:

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.