Vehicle Loans for Life on the Move

Local Loans. Simple Process. Friendly Faces.

At River Valley Credit Union, getting a vehicle loan doesn’t have to feel stressful or confusing. We proudly serve members across the Miami Valley with local loan decisions, a simple application process, and friendly employees who take the time to listen. Whether you’re commuting to work or heading out on your next adventure, we’re here to help you get there with confidence.

Our Vehicle Loan Options

Auto Loans

For cars, trucks, and SUVs, you rely on every day.

An auto loan helps you finance a new or used car, truck, or SUV with payments that fit your budget. It’s a great option when you want dependable transportation and the peace of mind that comes with working with a local lender.

Why Choose an Auto Loan with RVCU?

Because your vehicle is part of everyday life—from work and school to errands and road trips.

Best If:

  • You want competitive rates from a local credit union
  • You want flexible repayment options (max term is 84 months)
  • You want quick and local loan decisions
  • You want friendly support from application to payoff
Finance My Auto Loan

Recreational Vehicle Loans

For fun, freedom, and time well spent.

Recreational loans help you finance vehicles like RVs, motorcycles, boats, ATVs, and more. These loans are ideal when you’re ready to enjoy the outdoors, travel, or make memories with family and friends.

Why Choose a Recreational Loan?

Because life isn’t just about getting there—it’s about enjoying the journey.

Best If:

  • You want to finance a wide range of recreational vehicles
  • You want competitive rates and terms from a local credit union (max term is 120 months)
  • You want quick and local decisions
  • You want friendly support from application to payoff
Finance My Next Adventure

* REWARDS are credits posted to the specific loan. REWARD is equal to an annualized 1.00% of the loan’s principal balance on the date and at the time it is calculated. Relationship REWARD valid for borrower who has direct deposit of at least $1,000 into a River Valley Credit Union (RVCU) checking account each month. Borrower must establish an automatic funds transfer for the auto loan payment from their RVCU checking account. All accounts at RVCU must be maintained in a satisfactory manner and enrolled in e-statements. ANY loans in default do not qualify. Provided qualifications for the previous month are met on the first day of each current month, reward will be posted to the loan account on the last day of the current month as a credit to the loan. Reward will not be made on months where qualifications are not met. A BONUS REWARD equal to an annualized 0.50% of the loan’s principal balance on the date and at the time it is calculated will be rewarded if all of the above qualifications are met, plus the addition of an active River Valley credit card. Other restrictions may apply. See Credit Union for full details. Terms and conditions may change at any time. This REWARDS Program may be cancelled at any time by member or RVCU. Valid on loans opened on or after May 1, 2023. Subject to change without notice.

Pay Off Your Vehicle Faster.

Pair a River Valley Checking with your vehicle loan and qualify for a special Relationship Reward.

See Checking Options

* REWARDS are credits posted to the specific loan. REWARD is equal to an annualized 1.00% of the loan’s principal balance on the date and at the time it is calculated. Relationship REWARD valid for borrower who has direct deposit of at least $1,000 into a River Valley Credit Union (RVCU) checking account each month. Borrower must establish an automatic funds transfer for the auto loan payment from their RVCU checking account. All accounts at RVCU must be maintained in a satisfactory manner and enrolled in e-statements. ANY loans in default do not qualify. Provided qualifications for the previous month are met on the first day of each current month, reward will be posted to the loan account on the last day of the current month as a credit to the loan. Reward will not be made on months where qualifications are not met. A BONUS REWARD equal to an annualized 0.50% of the loan’s principal balance on the date and at the time it is calculated will be rewarded if all of the above qualifications are met, plus the addition of an active River Valley credit card. Other restrictions may apply. See Credit Union for full details. Terms and conditions may change at any time. This REWARDS Program may be cancelled at any time by member or RVCU. Valid on loans opened on or after May 1, 2023. Subject to change without notice.

Serving Drivers Across the Miami Valley

River Valley Credit Union proudly helps members throughout the Miami Valley finance vehicles with confidence. By keeping lending decisions local and the process simple, we’re able to offer personalized guidance and loans that fit real life. When you work with us, you’re not just getting a loan—you’re gaining a trusted local partner.

Apply Now

Auto Loan Rates

Rates as of 07/30/2026

Auto Loans 48 Month Rate (as low as) 48 Month APR* (as low as)
2023 & newer 4.84% 5.15%

Subject to application and credit approval. A $20,000 loan amount with $125 processing fee will result in 48 monthly payments of 462.01 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.

*Annual Percentage Rate—Rates subject to change daily.

Auto Loans 63 Month Rate (as low as) 63 Month APR* (as low as)
2022 & older 5.74% 5.98%

Subject to application and credit approval. A $20,000 loan amount with $125 processing fee will result in 63 monthly payments of 370.75 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.

*Annual Percentage Rate—Rates subject to change daily.

Pay Off Your Vehicle Faster.

Pair a River Valley Checking with your vehicle loan and qualify for a special Relationship Reward*.

See Checking Options