Get More Buying Power with a Pre-Approved Vehicle Loan
Buying Made Simple
Purchasing a new vehicle can be stressful, but it doesn’t have to be. That’s why we’re here to understand your needs, answer your questions, and help guide you through the process.
Competitive Rates
| Model Year | Term | APR |
|---|---|---|
| 2018-2025 Vehicle Loans | 24-48 Months | 6.39%11 |
| 2018-2025 Vehicle Loans | 49-66 Months | 6.39%11 |
| 2018-2025 Vehicle Loans | 67-75 Months11 | 6.39%11 |
| 2018-2025 Vehicle Loans | 76-84 Months11 | 6.39%11 |
| 2015-2017 | 24-66 Months | 6.39%11 |
| 2004-2014 | 24-54 Months | 6.39%11 |
| Classics (20 years old minimum) | 24-63 Months | 8.39%11 |
| Classics (20 years old minimum) | 64-72 Months (over $20,000) | 8.39%11 |
| Model Year | Term | APR |
|---|---|---|
| 2018-2025 | Up to 66 Months | 7.34%11 |
| 2018-2025 Motorcycles Only Over $20,000 | 67-75 Months | 7.84%11 |
| 2023-2025 Only Over $25,000 | 76-84 Months | 11.34%11 |
| 2004-2017 | Up to 66 Months | 9.34%11 |
| 2004-2017 Motorcycles Only Over $20,000 | 67-75 Months | 10.84%11 |
| Model Year | Term | APR |
|---|---|---|
| 2018-2025 Under $25,000 | Up to 66 Months | 7.34%11 |
| 2018-2025 Over $25,000 | 67-75 Months | 7.84%11 |
| 2018-2025 RVs or Boats Only Over $25,000 | 76-120 Months | 8.34%11 |
| 2004-2017 Under $25,000 | Up to 66 Months | 9.34%11 |
| 2004-2017 Over $25,000 | 67-75 Months | 10.84%11 |
| 2004-2017 RVs or Boats Only Over $25,000 | 76-84 Months | 11.34%11 |
Calculate My Payments
Complete the form below to calculate your vehicle payment amount and breakdown.
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Vehicle Purchasing Tips
Whether you are looking to purchase your first vehicle or your tenth, these helpful tips will help you successfully navigate the sales process.
Do Your Research
Take your time to learn about the vehicle you are looking to purchase. Understand the available options, read reviews and know the true value of the vehicle.
Know Your Budget
Knowing your budget before stepping foot into a dealership can help avoid making an emotional decision. Set your budget and stick to it.
Don't Negotiate on Payment
While it’s important to set a budget, it shouldn’t be used for negotiation purposes. Many dealerships have clever ways of working around your monthly budget to maximize profit.
Be Patient
If you’re not satisfied with the arrangement, don’t be shy to walk away. Sometimes patience is the key to getting a good deal.
Understand The Transaction
It’s important to understand what you are paying for and how much you are paying. Ask for a detailed breakdown of the full transaction and ask the dealership to walk you through everything.
Apply for Pre-Approval
Getting pre-approved11 for your vehicle loan puts you in a great position to negotiate. Knowing your interest rate and loan terms before visiting a dealership allows you to stand firm during the sales process.
Vehicle Loan FAQ
You have questions. We have answers. See below for a list of our most frequently asked vehicle loan questions.
R.I.A. Federal Credit Union is proud to offer extremely competitive rates with flexible payment terms. We offer vehicle loans up to 84 months11 to fit your financial needs.
The documentation needed for a vehicle loan is determined by our underwriters once they review your application, but typically includes a copy of the title, your driver’s license, and proof of insurance. Our team is always here to help guide you through the process. Contact us with questions any time!
Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.
Disclaimer
11. Vehicle Loans
-
- Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
- Loans are subject to credit approval. Restrictions may apply.
- 67-75-month financing available only on loans of $12,000 or more only on 2018-2025 model year.
- 76-84-month financing available only on loans of $20,000 or more only on 2018-2025 model year.
- For example, a 48-month term on a new vehicle loan for $20,000 at 6.39% APR, the monthly payment will be approximately $473.29
Still Have Questions?
Get Started
Ready to take the first step toward purchasing your new vehicle? Apply for a loan with R.I.A. and get approved today.