Car Loans

With great rates and flexible terms, we have the right car loan to fit your needs. Whether you’re making a quick trip to Short Pump or braving a trek up 95 to the nation’s capital. The most important thing about the journey is having a safe, reliables, and comfortable vehicle to get you there.

For car loans, we offer:

  • Terms up to 84 months ($25,000 minimum for 73-84 month terms)
  • No prepayment penalty
  • Financing of new or used vehicles up to 125% of purchase price*
  • Loan pre-approval to give you better bargaining power at the dealership

Check out our car loan rates.

If you already have a car loan (or several), you’re not alone!. Did you know that refinancing that car loan to a lower rate and better terms with RiverTrace can potentially save you thousands of dollars over the life of that loan? See what your monthly payments could be using our Auto Loan Calculator.

If you’re already a member, refinancing is easy. Apply online, give us a call, or stop by the branch to get started with the application process.

Not a member yet? Open an account to start charting your path with RiverTrace, or apply for a car loan and we will automatically open an account for you.

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.

*101% – 115% Loan-to-Value Ratio requires mandatory GAP Insurance.



Lobby Hours:

Monday-Wednesday: 9:00 - 5:00

Thursday: 10:00 - 5:00

Friday: 9:00 - 5:00

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