Credit union · NCUA insured
Ventura County Credit Union Auto Loan Rates
Ventura County Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Ventura County Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oxnard, CA, where Ventura County Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ventura County Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Car, Truck, SUV and Van Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
BCU
4.34%APR
- Terms
- 37–75 months
- Discount
- None included
Ventura County Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ventura County Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car, Truck, SUV and Van Loans
Fixed auto loan rates for new and used vehicles (car, truck, SUV, van). Finance up to 135% of total cost including state fees, sales tax, and registration depending on creditworthiness. Repayment terms up to 84 months. Rate discount of 0.25% for automatic transfers included in APR. Rates and terms determined by applicant's credit, payment history, income, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Rate as low as 4.75% APR for terms up to 36 months. Monthly payment per $1,000 borrowed is $29.86. Includes 0.25% discount for automatic transfers. |
| up to 60 months | 5.49% | Rate as low as 5.49% APR for terms up to 60 months. Monthly payment per $1,000 borrowed is $19.10. Includes 0.25% discount for automatic transfers. Longer terms available on qualifying loans. |
Sources (2)
All captured Oct 16, 2026
First Time Auto Buyer Program
Must be at least 18 years old, have proof of income, and have worked for current employer for at least 12 months. Financing up to $20,000 for new and used vehicles. Up to 100% financing based on creditworthiness (100% MSRP for new vehicle, Kelley Blue Book retail value for used vehicle). Down payment of at least 10% and proof of insurance required. Rate discount of 0.25% for automatic transfers included in APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.74% | Rate as low as 8.74% APR for terms up to 48 months. Monthly payment per $1,000 borrowed is $24.76. Includes 0.25% discount for automatic transfers. |
| up to 60 months | 8.99% | Rate as low as 8.99% APR for terms up to 60 months. Monthly payment per $1,000 borrowed is $20.75. Includes 0.25% discount for automatic transfers. Longer terms available on qualifying loans. |
Sources (2)
All captured Oct 16, 2026
Motorcycle Loans
Financing for new and used motorcycles. Up to 100% motorcycle loan financing based on creditworthiness. APR includes 0.25% discount for automatic transfer. Rates and terms determined by applicant's credit, payment history, income and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.24% | Rate as low as 7.24% APR for terms up to 60 months. Monthly payment per $1,000 borrowed is $19.91. Up to 100% financing based on creditworthiness. Includes 0.25% discount for automatic transfer. |
| up to 84 months | 7.99% | Rate as low as 7.99% APR for terms up to 84 months. Monthly payment per $1,000 borrowed is $20.27. Up to 100% financing based on creditworthiness. Includes 0.25% discount for automatic transfer. |
Sources (1)
- vccuonline.net/About/Rates/Loan-Rates · captured Oct 16, 2026
Who can join Ventura County Credit Union
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