Are you looking to refinance an existing vehicle loan from a different financial institution or in need of a new/used vehicle loan? We offer competitive rates along with a loan staff who cares about creating the perfect vehicle loan for you!

It’s not always about the payment; what about the rate, term, and benefits? Check with our Loan Team, 757-463-3650, option 1 to apply or for rate quotes.

Searching for your next 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.

Bad Credit Holding You Back from Your Next Car?

Maybe you’ve made some mistakes and need a second chance.  Our Sure Ride Auto Loan Program might be the right fit for you! This one of a kind vehicle loan program helps members with colorful or no credit get into the car they want, and a fair loan rate.

Have you thought about GAP protection?

GAP Coverage  may cover the difference between actual cash value of your vehicle and your loan payoff in the chance your vehicle is totaled in an accident. If your claim is paid through Gap, they will even send you $1,000 towards the purchase of your next vehicle. At VBSFCU, our Gap coverage costs less than the dealerships and can even be financed in with your loan!

Are You Worried About Your Vehicles History? Try CARFAX

Carfax reCarfax History Report Link ports contain important information so you can be confident you’re making the right decision about a used car. No more regrets about buying a car with significant damage history, just peace-of-mind knowing you’re buying a car that will be reliable for years to come.

If you are shopping for a used vehicle, before you pull the trigger and buy, contact us for your CARFAX Report. This comprehensive report will give you:

    • Accident and damage history
    • Service records
    • Ownership details
    • Odometer rollback notifications
    • Open manufacturer recalls
    • And More!

Click here to learn more!

Not sure how much of a car you can afford?

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

How much car can I afford?

How much will my auto payments be?

Should I accelerate my auto payments?

Should I lease or purchase a car?

Should I take a rebate or low-cost financing?