Vehicle Loans 

Whether you are purchasing your first car or one more suitable for your family, Cross Valley FCU is the right place to turn to!

At Cross Valley FCU we know that making important financial decisions can be stressful. Our experienced loan officers are here to work with you to find just the right term and payment to fit your budget. Up to 100% financing, low rates, and flexible terms make the credit union your best choice for financing a new or used car, van, light truck, sport utility, or other vehicle. Refinancing is available too!

  • Get behind the wheel quickly and affordably

  • Customizable loans with low interest rates

  • Flexible repayment terms to meet your needs

  • Easy application process

  • GAP insurance: covers the difference between your insurance settlement and the balance of your loan if your car is stolen or totaled

  • Debt protection: cancel or reduce a loan payment during an expected life event

Pre-Approvals make a difference and put you in the driver’s seat. You may be able to afford more car than you ever imagined. Pre-approvals are the best approach to staying within your budget. Get pre-approved before you shop! Contact the credit union or visit a Cross Valley FCU branch location nearest you! Taking this one easy step can save you money in the long run.

If you have a vehicle loan with Cross Valley FCU, you will be required to provide us with proof of insurance. Providing us with your proof of insurance is easy! Simply visit Follow the directions to complete the process.

A wrecked vehicle can wreck your finances if you owe more on your loan than your insurance will pay. GAP Plus is like an airbag for your vehicle loan. Our MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) Program can help cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection. Here’s how it works. GAP Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the credit union. Get GAP Plus today so you can worry less tomorrow.

Help play it safe with Cross Valley FCU Debt Protection, a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Once you’re enrolled, Cross Valley FCU Debt Protection will cancel or reduce the repayment of your loan debt if you lose your life, become disabled, or in the case of involuntary unemployment.

Applying for a vehicle loan is fast, easy & convenient!