Loans
Loans That Work For Veterans
From buying your first home with $0 down to funding education, our rates are built around your service record — not just your credit score.
0%
VA Down Payment
4.99%
Auto Loan APR
24hr
Approval Speed
Loan Products
Find the Right Loan
Every loan product is built with military-specific benefits and competitive rates.
🏡
VA Home Loans
Buy a home with $0 down
- ✓ 0% down payment required
- ✓ No private mortgage insurance (PMI)
- ✓ Competitive fixed rates
- ✓ Available for purchase, refi & cash-out
💰
Personal Loans
Funds in as fast as 24 hours
- ✓ Rates from 7.99% APR
- ✓ Loan amounts: $1,000–$50,000
- ✓ No origination fee
- ✓ 24-month to 72-month terms
🚗
Auto Loans
Drive off the lot smarter
- ✓ Rates from 4.99% APR
- ✓ New, used & refinance options
- ✓ Up to 84-month terms
- ✓ 100% financing available
🎓
Student Loans
Invest in your future
- ✓ Rates from 5.50% APR
- ✓ For members & eligible dependents
- ✓ Deferred repayment during service
- ✓ GI Bill supplemental financing
How It Works
Simple 4-Step Process
1
Apply Online
Complete a short application in 5–10 minutes. No branch visit needed.
2
Get a Decision
Receive a pre-approval or loan offer, often within minutes.
3
Review Your Terms
Review rates, repayment terms, and approve your loan documents digitally.
4
Receive Funds
Funds deposited directly to your VetInsBank account — often the same day.
Ready to Get Started?
Apply online in minutes. Our loan officers are veterans too — they get it.
Apply for a Loan →