Make your move and earn cash back

Get up to $200 cash back when you finance or refinance an eligible vehicle loan.

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Low Rates & Flexible Terms
Competitive fixed rates and terms up to 84 months. 

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Fast Approvals 
Local decision-making means less waiting and more driving. 

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Easy Refinance 
Bring your existing loan to VCCU and lower your payment, plus earn cash.

Cruise Into Cash

Looking for your next vehicle or thinking about refinancing your current auto loan? For a limited time, you could earn up to $200 cash back when you finance or refinance with us.*

From June 1 through July 1, 2026, members who fund an eligible auto loan of at least $15,000 can take advantage of this special offer on new purchases and qualifying refinances.

How It Works

  1. Apply Online or In-Branch. Our streamlined application takes just minutes.
  2. Fund Your Loan. Close on your new, used, or refinanced auto loan by July 31, 2026.
  3. Enjoy the Ride & the Reward. Receive up to $200 cash back after your loan is funded.*

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join

 

 


*Vehicle loan promotion applies to newly funded VCCU vehicle loans (new, used, or refinanced vehicles). Refinancing an existing VCCU vehicle loan does not qualify for this promotion. Eligible borrowers may receive up to $200 cash back on qualifying vehicle loans with a minimum loan amount of $15,000. Cash back will be in the form of a direct deposit into the member's VCCU Primary Share Account after the funding of the loan. Qualifying vehicle loans must be funded on or before July 31, 2026 to qualify. 

 Rates are subject to change without notice. The rate and terms for products are determined by the applicant’s credit, payment history, income, and collateral. All loans are subject to credit and collateral approval. Other restrictions may apply.