COVID-19 Response

For the latest information about our operations and measures we are taking, please visit our COVID-19 Response page.

Auto Loans

With competitive rates and flexible terms, BFSFCU has the right vehicle loan for you. Whether you want to be pre-approved before shopping or you are finalizing a purchase, our friendly and knowledgeable staff are ready to assist you.

  • Various loan term options
  • No pre-payment fees
  • Easy and convenient online access
  • Optional Members Choice® GAP or Mechanical Repair Coverage

Save more on your next Auto Loan!

You could save up to 1.25%* off your approved BFSFCU Auto Loan rate if you qualify for Member Loyalty Rewards and purchase an eco-friendly auto using our car buying service.

Learn More

Search for Your Next Car

Search our national network of more than 15,000 certified dealers to find the car you want.

Search new and used cars

How much vehicle can I afford?

Experts suggest that you should not allocate more than 20% of your take-home pay towards monthly auto payments. The down payment, interest rate, and term of your loan will also determine how much you can afford to buy. Use this calculator to help determine how much you might be able to spend on an automobile.

Vehicle Calculator

Hear what members are saying about finding and financing a new car with BFSFCU. Credit Union member Roderick and staff member Olga share how easy it is to find and purchase your next vehicle in this brief video.

Table data for Auto Loan Rates
Term Annual Percentage Rate (APR) New Vehicles1 Payment Example ($20,000 loan amount) Annual Percentage Rate (APR) Used Vehicles2 Payment Example ($20,000 loan amount) Alert Me
36 Month Auto, Fixed 1.990% 36 payments of $573.00 2.490% 36 payments of $577.00
48 Month Auto, Fixed 2.490% 48 payments of $438.00 2.990% 48 payments of $443.00
60 Month Auto, Fixed 2.740% 60 payments of $357.00 3.240% 60 payments of $362.00
72 Month Auto, Fixed 2.740% 72 payments of $302.00 3.490% 72 payments of $308.00
96 Month Auto, Fixed3 4.240% 96 payments of $615.003 N/A N/A
Receive up to 1.25% off on your rate when you qualify for extra discounts. Available discounts are as follows: Take 0.50% off the auto loan rate when you purchase your vehicle through BFSFCU’s car buying service powered by TrueCar. Buying Service discount only available for the purchase of new and used vehicles, not refinance. Discount is only applicable for fixed rate loan terms up to 60 months. Receive up to 0.50% off your auto loan rate if you qualify for two of our Member Loyalty Rewards discounts. Visit Loyalty to learn more. Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. Visit for more information. Total discounts may not exceed 1.25%. Refinancing offers are limited to auto loans you have with other lenders.
  • 1New Vehicles are vehicles for the current or immediately previous model year and an odometer reading of less than 5,000 miles.
  • 2Used Vehicles include any vehicle with an odometer reading of more than 5,000 miles or are older than the immediately previous model year.
  • 3New vehicles only. Minimum loan amount of $50,000 with a maximum loan-to-value (LTV) ratio of 80%.

* TrueCar® discount only available for dealer purchase, not refinance. Call for details 1-866-619-1191. Guaranteed savings and upfront dealer pricing information not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available in stock at the certified dealer.

To qualify for a Member Loyalty discount, members must meet at least one of three criteria: have opened their membership within the past 90 days, have an existing mortgage with BFSFCU, funded or paid off at least one loan in the past two years. Maximum combined discount for Member Loyalty Rewards is 0.50%. Visit for more information.