Virginia Credit Union
Virginia Credit Union — Competitive refinancing for vehicles up to ten years old.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Virginia Credit Union does not publish this on their public site. "No restriction" means Virginia Credit Union explicitly states no limit.
Overview
Virginia Credit Union offers auto loan refinancing with rates starting at 4.49% APR as of October 8, 2026. You can choose repayment terms up to 84 months for vehicles model year 2016 through 2026. The credit union allows refinancing for vehicles with a maximum loan-to-value ratio of 135%.…
What’s great
- Competitive starting rates as low as 4.49% APR
- High loan-to-value allowance up to 135%
- Discounted rates for refinancing from external lenders
What to know
- Vehicles must be no more than 10 years old
- Lowest rates require specific discounts and excellent credit
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 4.49% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Employees of the Commonwealth of Virginia, or those who live, work, worship, or attend school in select Virginia counties. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Virginia Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Virginia Credit Union before applying.
- [1]Refinance your auto loan | Virginia Credit Union — 4.49% APR Oct 2026 — Virginia Credit Unionhttps://www.vacu.org/loans/car-loans/refinanceLast checked: October 2026
- [2]Car Loan Refinance Approval | Virginia Credit Union — Virginia Credit Unionhttps://www.vacu.org/reficarLast checked: October 2026