Vehicle Loans
Online Consumer Loan Approval From RCUDecisions in Just Minutes! |  |
RCU is pleased to offer online application and approval of a variety of loans. If you are an RCU Member you may apply through RCU Online, our FREE Home Banking service. If you have not yet joined RCU you can still apply online.
Whether you're already enjoying the benefits of RCU membership or plan to, we invite you to apply, receive a decision and check the status of your application in just minutes by choosing "apply for a loan" under the E-Services tab!
Receive RCU Auto Financing At The Dealership
Looking to purchase a new or used auto? Receive Redwood Credit Union (RCU) auto financing right at the dealership! RCU participates in the Credit Union Direct Lending (CUDL) program, Auto SMART, allowing you access to hundreds of dealerships that can get your Credit Union auto financing approved through the CUDL automated system. Just visit any participating CUDL dealer, identify yourself as a Redwood Credit Union Member, and request your Credit Union financing through the CUDL system; it's available 7 a.m. to midnight, 7 days a week, 365 days a year.
View a list of RCU's CUDL Preferred Dealers here. To find more participating CUDL dealers near you, visit Credit Union AutoSMART or call 888-CUDIRECT. Don't forget to check out the CUDL Auto Buying Program that allows you to research vehicles and request pricing and availability on new vehicles from participating CUDL Auto Buying Program dealers. Find out more about AutoSMART.
New Cars, Trucks and Vans
- Finance up to 125% of the MSRP, including tax and license.
- Repayment terms from 12 to 84 months, based on the loan amount
- Shop confidently with a pre-approved loan
- Credit limits go up as the term of the loan increases
- Save a 1/4% on the APR of your loan when you finance a qualified Hybrid Technology vehicle!
Used Cars, Trucks and Vans
- Finance up to 120% of Kelly Blue Book retail value on vehicles 5 years or newer and 120% of Kelly Blue Book wholesale value on vehicles 6 - 10 years old.
- Repayment terms from 60 to 84 months, based on the loan amount
- Based on the vehicle's value, zero down payment available
New & Used RVs, Motor Homes, Boats, Travel Trailers, Tent Trailers, Motorcycles and Airplanes
- If it's new, finance up to 100% of MSRP
- If it's used, finance up to 100% of the high NADA Book value
- Repayment terms from 60 to 240 months based on the loan amount
Loan Calculator
Loan Comparison Calculator
Budgeting to Buy Your Car
How to Choose Between New and Used
