New, used, or refinanced – we’ll help you get behind the wheel.
Introduction
At Visions, we believe that car shopping should be easy – and we know you do, too. That’s why we think you’ll love our online resource center.
Whether you’re looking for a new vehicle or one that’s just new to you, you can expect flexible terms, affordable rates, and options to put as little as 0 percent down. Plus, we even offer money-saving refinancing options, discounted insurance, and vehicle protection to cover your new investment. Explore your options, connect with a representative, or apply for a preapproval today!
Features and Offers
Nearing the end of your Auto Lease?
You could buy your leased vehicle with an Auto Loan. Ask for special details!
Financing a recreational vehicle (RV) or boat?
Check out new, used, and refinancing for your RV/Boat Loan.
$50 First Auto Loan Bonus for Ages 18-25!*
Is this your first Auto Loan with us?
Forward Account Exclusive: If you're age 18-25, you could be eligible for a $50 cash bonus with your first Visions Auto Loan!
Made in America Tax Incentive**
If your Auto Loan was originated after 12/31/2024 (through 2028) and you meet specific IRS criteria, you may qualify for the Made in America tax incentive program.
- To find out if your vehicle qualifies for the tax deduction, here's a resource from the US Department of Transportation: vpic.nhtsa.dot.gov/decoder
- To research additional criteria for the tax deduction, here's a resource from the IRS: www.irs.gov/newsroom/one-big-beautiful-bill-provisions
Although the IRS has not created tax forms for this purpose yet, we conveniently provide your Auto Loan interest in two places:
- Interest Paid Year to Date in your December statement, or eStatement, for the applicable tax year
- Previous year interest amount under your Auto Loan's "Details & Settings" tab in digital banking
**For informational purposes only. For tax advice, please speak with a tax professional. For more information about the Made in America deductions or qualifications, please use the resources provided by the US DOT and IRS.
Apply for Visions financing right at the dealer!
That's right, we're partnered with dozens of local dealers to provide members with convenient, affordable Visions financing – right at the dealership! You can apply right then and there, then close your loan and drive off the lot with your brand new ride.
Want to apply for preapproval before visiting the dealer?
Don't forget to protect your investment.
Auto coverage comes in many forms, and each of the options below can support you financially in times of trouble. At a time when vehicle expenses arise, or even medical bills begin to mount, every dollar counts. Sufficient auto coverage could provide peace of mind that, when the unexpected happens, you'll be able to focus on what matters most.
Guaranteed Asset Protection (GAP)
Helps protect you from financial loss in case the vehicle is a total loss due to theft, collision, fire or other insured peril. Plus, you may be eligible for deductible reimbursements, too!
Mechanical Repair Coverage (MRC)
Auto repairs can be quite costly - give yourself the peace of mind that your vehicle is protected with a strong warranty program.
Debt Protection
Your auto loan may also qualify for Debt Protection. Add it during the application process or contact us at 800.242.2120 to request changes to your coverage.
Learn more about Debt Protection
Insure Your Vehicle
Visions members may be eligible for discounted insurance rates from select partners.
Check out your insurance options here
*First Auto Loan Bonus: Visions membership requires $1 minimum deposit. Certain membership eligibility details apply; ask for details or visit visionsfcu.org/join. Must be age 18-25 at time of application to qualify for bonus. All loans are subject to credit approval. $50 bonus will be deposited to primary savings within two business days of the loan completion. Bonus reportable for tax purposes. Offer valid on new Auto Loans financed in branch, digital banking, or Contact Center, not valid through Indirect Lender or dealerships. Must be member’s first Auto Loan with Visions. Bonus cannot be earned more than once. Offer is subject to change or expire at any time.
Auto Calculators
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How long should I keep a vehicle?
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How much will depreciation cost me?
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How much will my vehicle payments be?
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Should I finance or pay cash for a vehicle?
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Should I lease or purchase a vehicle?
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Should I use a home equity loan instead of a vehicle loan?
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What term of vehicle loan should I choose?
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What vehicle can I afford?
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Which is better: a new or used vehicle?
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Which is better: a rebate or special dealer financing?
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Which vehicle loan is better?
Auto Articles
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Auto Protection: Coming in Clutch
More than a jumble of letters, GAP and MRC can mean big numbers – especially when your vehicle is out of commission. Here's an introduction to what they are, when they can help, and how they've saved members money.
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First Car Loan? Here Are Some Things to Know
First Car Loan? Here Are Some Things to Know Whether you're 18 or 48, at some point you're likely to buy a new car – even if it's just new to you. Unfortunately, cars aren't cheap. That's why many people go for an auto loan. The issue? Auto loans are confusing, especially if you…
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When Should I Refinance My Auto Loan?
When Should I Refinance My Auto Loan? People want to refinance their auto loan for various reasons. As with any financial decisions, some times are better than others to refinance your auto loan. In general, you can see more benefits in terms of money saved the earlier you refin…
