LOANS

Financing Your Car

Fast, affordable auto loans designed to put you in the driver’s seat.

Check your rate before applying.†

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Affordable Auto Loans Made Simple

Drive with confidence! Enjoy low rates, quick preapproval, and flexible terms—helping you save more and get on the road.

With Auto Buying Service
as low as
3.64%
APR²
For new cars; N/A in PR
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Without Auto Buying Service
as low as
4.14%
APR³
For new cars
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Explore more:

Mechanical Repair Coverage (MRC)
Avoid expensive repair bills with coverage that keeps your car running and your budget on track.
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RV & Boat Loans
Adventure starts here! Get affordable financing for RVs, boats, and more.
Learn More
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Guaranteed Asset Protection (GAP)
Stay protected if your vehicle is totaled or stolen. GAP covers the difference between your loan balance and your insurance payout.
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Auto Payment Calculator

Estimate your monthly payment below.

Do you plan to buy new or used?

How much would you like to finance?

How is your credit?

What loan term length are you interested in (months)?

Additional discounts that may apply:

Auto Buying Service

Rewards Member

Estimated monthly payment

$333

Monthly Payment

—

APR

View Rate & Apply Consult an Expert Disclosure

Informational purposes only. Actual terms may vary.¹ Auto Buying Service discount option applies to U.S. residents only.

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Frequently Asked Questions

What information do I need to apply?

At the time of application, you’ll be asked for the following information:

Name and address
Date of Birth
Social Security Number (consumers)/Tax Identity Number (businesses)
Member number (or membership eligibility)
Income and Employment
Co-signer or co-borrower information, if applicable

*Note: A credit report is required to complete an application. By submitting an application, you are voluntarily agreeing to a credit report inquiry.

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What is the difference between a co-borrower and a co-signer?

A co-borrower is considered a joint applicant. This person shares household expenses and income with the primary borrower and agrees to be equally responsible for repayment of the loan. As a result, both applicants’ income and credit profiles are used to support approval of the loan. A co-borrower must be an active BCU member.

A co-signer is also responsible for repayment of the loan in the event the primary borrower defaults on repayment of the agreed loan terms. However, the loan terms are determined solely by the primary borrower’s qualifications.

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How much would I be approved for?

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How are interest rates determined?

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What are Rewards Rates?

Rewards Rates let you earn more on your deposits and/or save more on your loans. To qualify for a 1.00% Rewards Member rate discount on your auto loan, you must have two of the following relationships:

a. Direct Deposit of at least $1,000 per month into a checking account at the Credit Union
b. At least $25,000 on deposit
c. A qualifying loan in good standing, including: Mortgage, Home Equity, Auto, or Credit Cards. 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 is delinquent will disqualify you for Rewards Rates.

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What are the vehicle eligibility requirements?

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What are the available loan terms?

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What is Loan-to-Value?

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Are there any fees?

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Am I able to purchase a salvaged title/dealer buy back?

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Where can I find additional information?

We are happy to provide additional guidance and answer your questions! Please give us a call at 888-389-8344. Our Consumer Loan business hours are Monday through Friday 7:30 a.m. to 6:00 p.m. CST. If you are ready to apply, please click here to be directed to our online loan application to apply at your convenience or call us at 888-389-8344 to apply via phone 24/7, and you’re always welcome to visit us at your local Branch. Once your application is complete, an Auto Loan Experts will contact you within one business day to review the status of your application.

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Disclosure

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Financing Your Car

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Affordable Auto Loans Made Simple

With Auto Buying Service

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Without Auto Buying Service

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Explore more:

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Auto Payment Calculator

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Frequently Asked Questions

What information do I need to apply?

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What is the difference between a co-borrower and a co-signer?

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How much would I be approved for?

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How are interest rates determined?

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What are Rewards Rates?

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What are the vehicle eligibility requirements?

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What are the available loan terms?

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What is Loan-to-Value?

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Are there any fees?

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Am I able to purchase a salvaged title/dealer buy back?

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Where can I find additional information?

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Financing Your Car

With Auto Buying Service

Without Auto Buying Service

Auto Payment Calculator

What information do I need to apply?

What is the difference between a co-borrower and a co-signer?

How much would I be approved for?

How are interest rates determined?

What are Rewards Rates?

What are the vehicle eligibility requirements?

What are the available loan terms?

What is Loan-to-Value?

Are there any fees?

Am I able to purchase a salvaged title/dealer buy back?

Where can I find additional information?

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