Auto loans
that don't suck.
100% financing. Real rates. No dealer games, no hidden fees. Apply online, sign from home, and don't pay a thing for up to 90 days.
Membership required. San Bernardino County community. All loans subject to credit approval. Rates and terms subject to change.
Full Financing
No down payment required.
Days Before First Payment
Finance charges accrue during deferral.
Months Max Term
On loans of $30,000 or more.
Rate Discount
EV, hybrid, or zero-emissions vehicle.
No hidden anything.
Low rates, 100% financing, remote signing, and 90 days before your first payment. Others don't offer this. We do.
- New and used vehicles. Get pre-approved before you shop
- Apply online, sign remotely, vehicle delivered to you
- Use Autoland to find your car and skip the dealer pressure
- Motorcycle, RV, and boat financing also available
- Used vehicle terms based on Kelley Blue Book valuation
Buying an EV, hybrid, or zero-emissions vehicle? Take 0.5% off your rate. Automatically.
Whatever you're driving toward.
New car, used car, refinance, lease buyout, or first car. Same low rates. Same fast online application. Same no-pressure conversation.
New Car
Get pre-approved before you walk onto the lot. Cash-in-hand negotiating power.
Used Car
Same low rates apply. Terms based on Kelley Blue Book valuation. No mileage games.
Refinance
Currently paying too much elsewhere? Bring your loan to Vida and lower your monthly payment.
Lease Buyout
Love the car you leased? Keep it. We finance the buyout so the car stays yours.
Credit not perfect?
Others reject people. We talk to them. Our credit builder and credit novice loans are built for people starting fresh or working their way back. On-time payments on a Vida auto loan are reported to the credit bureaus and may help your score.
Apply Anywaythe whole story."
Loan terms built to fit your situation, not a one-size-fits-all formula. We approve people others turn away. Come talk to us. That's really it.
Protect
the ride.
All optional. None of it affects your approval or loan terms. Add any of these at closing or call us anytime and we'll walk you through it.
GAP Coverage
If your car gets totaled or stolen, your insurance payout might not cover what you still owe. GAP covers the difference so you're not stuck paying for a car you no longer have.
Mechanical Repair
Cap what you pay on covered repairs. Includes 24/7 roadside assistance. Choose your deductible: $0, $100, $250, or $500. Because surprise repair bills are the worst.
Payment Protection
If disability, illness, or a covered life event hits, this covers your loan payments so a tough moment doesn't turn into a financial spiral on top of everything else.
All protection products are optional and voluntary. Buying them is not a condition of the loan and will not affect your application, your approval or your rate. Each product has its own cost, which can be added to the loan, and is provided by a third-party provider under a separate contract; coverage is subject to that contract’s eligibility, terms, and exclusions. GAP is MEMBER’S CHOICE™ Guaranteed Asset Protection; Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. (Virginia Surety Company, Inc. in California); Payment Protection is MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company. Insurance products are not deposits and are not federally insured. Ask a representative for the cost and the full terms before you decide.
The stuff people ask first.
Do I really need zero down?
You can put money down if you want, but 100% financing means you don't have to. The loan can cover the full purchase price if you qualify.
How does the 90-day payment deferral work?
Your first payment is due up to 90 days after the loan closes. Finance charges still accrue during this period, so your overall interest cost is slightly higher.
Can I get pre-approved before I shop?
Yes. Pre-approval gives you a clear budget and real negotiating power at the dealership. Apply online and we'll get back to you fast.
What counts as a green vehicle for the 0.5% discount?
Electric vehicles (EV), plug-in hybrids, and zero-emissions vehicles qualify. The discount applies automatically when the vehicle qualifies.
Will my credit get checked?
Yes. Auto loans require a credit check. But unlike many lenders, we look at your full situation. A less-than-perfect score does not automatically disqualify you.
Do I have to be a member already?
Membership is required to receive the loan. You can apply for both at the same time. Joining is free.
Ready to
drive?
Apply in minutes. No games, no pressure. Just a loan from people who genuinely want you in that car.