Langley Federal Credit Union is now the solution for all new loan applications. When applying for a loan online or over the phone, you will be redirected to the Langley loan team. As part of this process, Langley will work with you to establish a new savings account to finalize the loan application requirement. 

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Are You Getting The Best Deal? Let’s Work Together!

Are you looking to refinance an existing vehicle loan from a different financial institution or in need of a new/used vehicle loan? Refinancing with a better rate can save you hundreds of dollars over the life of your loan. At VBSFCU, we’ve made it easier than ever. We offer competitive rates, same-day approval, up to 100% financing, and GAP and payment protection! Along with a loan staff who cares, we will create the perfect vehicle loan for you!

It’s not always about the payment; what about the rate, term, and benefits? If you have questions about how to apply for a loan, how to apply for membership, or are not sure if you are getting the best deal, our Vehicle Loan Expert will guide you every step of the way!



Refinance your car loan for rates as low as 1.99% APR*


* Must be current on your auto loan payments to qualify. Existing Langley Federal Credit Union loans not eligible for this offer. Rates based on credit score of 740 or better based on creditworthiness, so your rate may differ. Term for 1.99% APR is up to 48 months. Rates and terms are subject to change at any time without notice. A $15,000.00 loan at 1.99% for 48 months would have monthly payments of $326. Credit is subject to approval. APRs and payments may vary for other loan amounts and terms. Limited time offer.

Ready to apply for a loan online?

Visit our online loan application.

Can you help me search for a vehicle?

Use our free car search tool, SmartSearch!

With SmartSearch you can compare vehicles side by side, shop local dealerships, and save your search results to share with family/friends.

CarFax reports are available for free on many vehicles.

Should I be Pre-Approved before I shop?

Yes! It’s always a good idea to be pre-approved by VBSFCU before shopping for a vehicle. We review your credit report with you for free and will help you make the right decision on how much you can afford before you shop.

I need to learn more about your rates, who do I call?

757.463.3650 option 1.

How can I learn how much of a car I can afford?

Use one of our free calculators to estimate your vehicle loan payments:

Do you recommend any local car dealerships?

Buy your next car from Enterprise Car Sales

We have partnered with Enterprise Car Sales to offer you a seamless purchase experience with financing options to fit your needs. Plus, every vehicle is clearly marked with transparent pricing. Whether you want to buy, sell, or trade, we’re here to make it easy.

Start shopping

What is GAP Protection? Do I need it?

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.*

This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000. Contact us today to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.


What Does VBSFCU Do For Our Local Community?

Learn about our Do Good programs and how we give back locally.