Wherever the road takes you, The Valley is here to help you get there. Our auto loans are designed with competitive rates, flexible terms, and local decision-making—so you can finance new or used vehicles with confidence. Whether you’re upgrading your ride or refinancing to save, we make the process simple, straightforward, and centered on your goals.

---

Details

• Competitively low, fixed and variable rates on new or used vehicles
• Up to 100% financing available for qualified buyers
• A wide range of terms customized to your unique situation, up to 120 months
• No application fees
• No hidden fees or prepayment penalties
• Pre-approval available for extra bargaining power at the dealership
• Refinance your current vehicle to potentially lower your rate
• Loan protection and auto insurance available
• Helpful Resources to help you find the right vehicle
• Quick, local decision-making and processing
• Friendly service from Southern Illinois community members like you 

---

Adventure looks different for everyone—and we’re here to help you finance it. Whether you’re heading out in an RV, boat, ATV, or motorcycle, The Valley offers flexible financing with competitive rates and local decision-making. We make it easy to fund the fun so you can focus on the memories ahead.

Details

• Competitive rates for a wide range of recreational vehicles:
• Up to 100% financing available for qualified buyers
• A wide range of terms customized to your unique situation, up to 72 months
• No application fees
• No hidden fees or prepayment penalties
• Pre-approval available for extra bargaining power at the dealership
• Refinance your current vehicle to potentially lower your rate
• Loan protection auto insurance available
• Helpful Resources to help you find the right vehicle
• Quick, local decision-making and processing
• Friendly service from Southern Illinois community members like you

To complete your application ahead of time, click the Application button below.