Get More Buying Power with a Pre-Approved Vehicle Loan
Buying Made Simple
Purchasing a new vehicle can be stressful, but it doesn’t have to be. That’s why we’re here to understand your needs, answer your questions, and help guide you through the process.
|2017-2024 Vehicle Loans||24-48 Months||5.64%11|
|2017-2024 Vehicle Loans||49-66 Months||5.89%11|
|2017-2024 Vehicle Loans||67-75 Months11||6.39%11|
|2017-2024 Vehicle Loans||76-84 Months11||6.64%11|
|Classics (25 years old minimum)||24-63 Months||7.89%11|
|Classics (25 years old minimum)||64-72 Months (over $20,000)||7.89%11|
|2017-2024||Up to 66 Months||6.54%11|
|2017-2024 Motorcycles Only Over $20,000||67-75 Months||7.04%11|
|2003-2016||Up to 66 Months||8.54%11|
|2003-2016 Motorcycles Only Over $20,000||67-75 Months||10.04%11|
|2017-2024 Under $25,000||Up to 66 Months||6.54%11|
|2017-2024 Over $25,000||67-75 Months||7.04%11|
|2017-2024 RVs or Boats Only Over $25,000||76-120 Months||7.54%11|
|2003-2016 Under $25,000||Up to 66 Months||8.54%11|
|2003-2016 Over $25,000||67-75 Months||10.04%11|
|2003-2016 RVs or Boats Only Over $25,000||76-84 Months||10.54%11|
Calculate My Payments
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Vehicle Purchasing Tips
Whether you are looking to purchase your first vehicle or your tenth, these helpful tips will help you successfully navigate the sales process.
Do Your Research
Take your time to learn about the vehicle you are looking to purchase. Understand the available options, read reviews and know the true value of the vehicle.
Know Your Budget
Knowing your budget before stepping foot into a dealership can help avoid making an emotional decision. Set your budget and stick to it.
Don't Negotiate on Payment
While it’s important to set a budget, it shouldn’t be used for negotiation purposes. Many dealerships have clever ways of working around your monthly budget to maximize profit.
If you’re not satisfied with the arrangement, don’t be shy to walk away. Sometimes patience is the key to getting a good deal.
Understand The Transaction
It’s important to understand what you are paying for and how much you are paying. Ask for a detailed breakdown of the full transaction and ask the dealership to walk you through everything.
Apply for Pre-Approval
Getting pre-approved11 for your vehicle loan puts you in a great position to negotiate. Knowing your interest rate and loan terms before visiting a dealership allows you to stand firm during the sales process.
Vehicle Loan FAQ
You have questions. We have answers. See below for a list of our most frequently asked vehicle loan questions.
We offer a Credit Builder Loan Program focused on determining the best route for our members to secure a loan. An R.I.A. loan officer will work with you to better understand your individual circumstances. For more information contact our team.
The documentation needed for a vehicle loan is determined by our underwriters once they review your application, but typically includes a copy of the title, your driver’s license, and proof of insurance. Our team is always here to help guide you through the process. Contact us with questions any time!
Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.
11. Vehicle Loans
- Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
- Loans are subject to credit approval. Restrictions may apply.
- 67-75-month financing available only on loans of $12,000 or more only on 2015-2022 model year.
- 76-84-month financing available only on loans of $20,000 or more only on 2015-2022 model year.
- For example, a 48-month term on a new vehicle loan for $20,000 at 4.39% APR, the monthly payment will be approximately $455.08.
Still Have Questions?
Ready to take the first step toward purchasing your new vehicle? Apply for a loan with R.I.A. and get approved today.