Auto Loans
This is a soft inquiry that won't impact your credit score†.
Why BCU?
Unlike a bank, the Credit Union is a not-for-profit organization, dedicated to empowering your discovery of financial freedom. That’s why you’ll find better rates, fewer fees (and no fees when possible), higher earnings, and more innovative products and services than you’d get at other financial institutions.
BCU is one of the nation's Top 100 credit unions, serving over 360,000 members in the United States and Puerto Rico. You’re just moments away from a better way to bank. Join today!
Finance Your Car
Get a new or used auto loan that fits your needs and delivers a great deal.
Refinance Your Car
We'll help you lower your payment and save on interest.
Auto Buying Service
Save time and money with our exclusive Auto Buying Service.
Auto Payment Calculator
Estimate your monthly payment
Estimated Terms
Monthly Payment
APR as low as
Informational purposes only. Actual terms may vary.1 Auto Buying Service discount option applies to U.S. only; N/A in PR.
This is a soft inquiry that won't impact your credit score†.
Frequently Asked Questions
Extended Auto Coverage
Guaranteed Asset Protection (GAP)
Help cover difference of insurance payout (after deductible is met) and loan balance.
Mechanical Repair Coverage (MRC)
Reduce the risk of costly repairs. Create or extend warranty for your car.
Loan Payment Protection (LPP)
Help ensure payments are cancelled in the event of unexpected circumstances.
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Disclosure
1To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. Published rates are accurate as of 2/1/2026, and subject to change without notice.
2APR is Annual Percentage Rate. Published rates are accurate as of 2/1/2026, and subject to change. Offer subject to credit approval. Rate applies to 2026 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 3.99% and a term of 75 months would have a monthly payment of $378.39.
3APR is Annual Percentage Rate. Published rates are accurate as of 2/1/2026, and subject to change. Offer subject to credit approval. Rate applies to 2026 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 3.49% and a term of 75 months would have a monthly payment of $372.52.
4A credit report is required to complete your application. By submitting an application, you are voluntarily agreeing to a credit report inquiry. If you opt out of having your credit report pulled, your application will be withdrawn and your request for credit will not be reviewed.