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Vehicle Loans

We’ll save you time and money with our simple process and competitive rates.


It doesn't matter if you are looking for a new or used car, truck or van, Rock Valley Credit Union has a lending package that will fit your needs. The process is easy, the rates are great and the convenience is unmatched. Your loan payment can be automatically taken from your paycheck and paid electronically with payroll deduction. No worries about missing a payment, and no hassle with writing checks and finding stamps.

Our qualified members have options for borrowing:

New Autos

Used Autos

  • Up to 125% financing of NADA average retail value for qualified members
  • Terms up to 84 months, depending on amount, credit, and age of car.
  • Pre-approvals for negotiation power (know what you can spend before you shop)
  • Credit life and disability insurance, Guaranteed Asset Protection (GAP)coverage and Extending Warranty Coverage available
  • Complete your financing on-site at participating dealership
  • Rock Valley CU offers a free online car buying service to help you find the car of your dreams

Apply for Auto Loan

60 Day Payment Vacation

Refinance Your Existing Auto Loan

  • Lower your existing loan rate
  • Lower your monthly payment
  • Save you hundreds of dollars over the life of your loan
  • Pay off your car loan earlier

Auto Title Loan

RVCU's Title Loan allows you to use the equity in your vehicle to get cash when you need it.  If your vehicle is paid for, use your title as collateral.  If you are still paying on your vehicle, call our loan department and find out if you have equity.  You can refinance your vehicle and get your equity as cash.  Your loan rate will be based on credit approval and your credit.

Recreational Vehicles and Power Sports

We also offer loans for various other vehicles including boats, water sport vehicles, motorcycles, campers, and RV's. If you are looking for great financing to fund your recreation, give us a call at 815-282-0300.

Free Online Car Shopping

Rock Valley CU is your one-stop for your next auto.  We offer a free online car shopping service where you can search 1,000s of cars to find the one you want in the color you want.  In addition, you can do this all in the comfort of your home.  Save yourself time and hassle by finding the car before you to to the dealer.

Begin Searching for Car


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