Auto Loans

Buying a Vehicle?  We've got financing options that fit your needs.

Purchasing a new or used vehicle can be a difficult decision. Financing your vehicle should not be. 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.

  • Fixed- and adjustable-rate options
  • 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
 10-15-2019
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 2.490% 36 payments of $577.00 3.240% 36 payments of $584.00
48 Month Auto, Fixed 3.240% 48 payments of $445.00 3.490% 48 payments of $447.03
60 Month Auto, Fixed 3.490% 60 payments of $364.00 3.740% 60 payments of $365.99
72 Month Auto, Fixed 3.740% 72 payments of $311.00 4.490% 72 payments of $317.39
96 Month Auto, Fixed3 4.490% 96 payments of $620.933 N/A N/A
96 Month Auto, Variable 3.500% 96 payments of $239.16 N/A N/A
96 Month Recreational Vehicle, Variable4 6.000% 96 payments of $262.83 7.000% 96 payments of $272.67
180 Month Recreational Vehicle, Variable 7.000% 180 payments of $179.77 8.000% 180 payments of $191.13
Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. Visit http://epa.gov/greenvehicles for more information. Take an additional 0.50% off the auto loan rate when you purchase your vehicle through BFSFCU’s car buying service powered by TrueCar. TrueCar 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. You may be eligible for a rate as low as 1.25% on your next auto loan.Visit our loyalty rewards page to learn more. Refinancing offers are limited to auto loans the member has 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%.
  • 4 Vehicle variable rate accounts are offered with the above shown six-month introductory rate; during the Introductory Rate Period your rate will not change. Following the expiration of the Introductory Rate Period, this plan will have a Variable Rate feature. THE ANNUAL PERCENTAGE RATE (APR) for variable rate changes may increase in accordance with the Wall Street Journal Prime Rate plus a Margin and will occur every six (6) months on the anniversary of the Date of the Advance of Funds also known as the Change Date. Eligible vehicles for Boat, Plane, and RV loan financing are: recreational vehicles (RV), travel trailers, campers, all-terrain vehicles (ATV), snowmobiles, personal watercrafts, and personal aircrafts.

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Recreational Vehicle Loans

Get where you want to go this summer with rates as low as 6.00% APR. Let BFSFCU take you where you want to go this summer, and every summer after, by helping you invest in the recreational vehicle of your dreams. Whether it’s taking flight in your own airplane or hitting the waves with family and friends on a new jet ski or sailboat, we can take you there.

With a variety of terms, you’ll find the right loan to finance your next adventure.

Apply for an RV Loan

Green Auto Loans

Do your part to help save the environment by purchasing a new or used fuel-efficient car considered environmentally friendly by the Environmental Protection Agency and receive a 0.25% rate discount on any BFSFCU fixed-rate auto loan! Along with those great savings, buying an environmentally friendly car will also help reduce toxic greenhouse gases, save you money on gasoline, and allow you to drive farther between fill-ups. You may also be eligible for a tax credit. Please consult a tax advisor.

Apply for a Green Auto Loan

* 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 BFSFCU.org/Loyalty for more information.