Find a Loan

Our variety of loans can help.

We all have times when we could use a little extra cash. Whether you’re looking to purchase a car or home, consolidate debt, pay your taxes, finance a major purchase, pay for unexpected expenses, or just pay for that much-needed vacation, our variety of loans can help. We also provide equity and line-of-credit loans.

Start here: Free Credit Report

Before you start the loan process, get a free copy of your credit report (once every 12 months) from each credit reporting company to ensure that the information on all of your reports is correct and up to date. Your credit report helps to determine your loan eligibility and your rate.

Vehicle Loans

Apply for a New or Used Auto Loan

Maximize your car-buying power with fixed, competitive rates. Whether you’re buying from a dealership or an individual, our easy online application gives you quick approval.

Email for additional details.

Refinance your Current Auto Loan

Bring your auto loan to VFCU for low rates and a great money-saving opportunity, with no refinance charge. Fill out the online application, and before you know it, you’ll be on your way to lowering your monthly payments.

Email for additional details.

For used cars: consult NADA/JD Powers Blue Book for retail value to calculate maximums.

Recreational vehicle collateral loan

Motorcycle. Boat. Collateral Loans.

Whether you crave the boundless freedom of the open sea or the wind in your hair on the open road, we’ll help you buy the things that move you. For those of you who love the extreme adventure of a Sea-Doo, a wild excursion on an ATV, or maybe a cross-country trip in a Winnebago, our collateral loan will get you there.

  • No down payment for those with qualifying credit. 100% financing includes taxes, title, and tags.

  • Refinancing available on loans from other lenders. Lower your rate or change your term. *

Call 855-663-8328 or visit a branch to apply for a Boat, Motorcycle, or Collateral loan now!

*Please have the serial or vehicle identification number (VIN) when applying for the loan.

Refinance a Home Loan

Retire your mortgage. Refinance with the OnTarget Mortgage by VFCU.

  • Competitive fixed interest rate
  • Set your own maturity date – from One (1) year to 15 years
  • Flat processing fee covers all of your closing costs*
  • No out-of-pocket cash at closing
  • Most OnTarget refinances do not require a traditional appraisal**
  • Set your payment up to meet your schedule: weekly, bi-weekly, semi-monthly, and monthly payments available

*Processing fee includes flood certification, AVM, credit report, title search and insurance, document preparation, and closing agent’s fee. Assumes that borrower provides existing title insurance policy.

**Appraisal may be required if value cannot be ascertained using AVM.

Refinance home loan


Our Home Equity Line of Credit is there when you need it (only available in Tennessee and Mississippi). No interest is charged until the credit line is used*.

  • Credit line open for 5 years**
  • Usually funded within 5 days of receiving required documents
  • Borrow up to 95%*** of your property value
  • No annual fee
  • Low closing costs.

Call 855-663-8328 or email for additional details.

*Home Equity Lines of Credit are variable-rate loans from $10,000 to $250,000, with competitive rates. Depending on credit qualifications, your rate may differ. The plan has a maximum APR of 18%.

**Home Equity Lines of Credit have a five-year draw period followed by a fifteen-year payback period.

***Some restrictions may apply. The maximum combined loan-to-value amount is 95%.

*APR (Annual Percentage Rate) is the cost of credit, expressed as a yearly rate. APRs appearing in calculator results are based on your input. Additional terms and conditions, such as vehicle age and mileage, apply. When you apply for credit, your application is subject to credit approval using your credit history, related score, income and other factors to evaluate your request and ability to repay. Run a free check of your credit report occasionally to be sure inaccuracies aren’t impacting your ability to receive credit.