The Valley First Credit Union is a auto loan from Valley First Credit Union. The ongoing APR is As low as: new autos (model years 2025 and newer, never registered or below 10K miles) 5.49% (12-48 months), 5.59% (49-66), 5.79% (67-72), 5.84% (73-84); used autos (model years 2016-2024, or 2025-2026 with 10K+ miles) 5.79% to 6.49%; used autos model years 2014-2015 6.49% to 6.99%; fixed; rates effective 08.01.2026, determined by credit history. Typical credit limit: Minimum loan amount $5,000 (12-48 months), $7,500 (49-60), $10,000 (61-66), $15,000 (67-84); no maximum printed. Loan terms: Up to 84 months; fixed rates; no prepayment penalties; no car payments for up to 45 days.