New Auto Loans



With competitive rates and flexible terms, BFSFCU has the right vehicle loan for you.

  • No pre-payment fees
  • Easy and convenient online application
  • Up to 1.25% off rate discount1
  • Terms available up to 96 months
  • Optional Members Choice® GAP or Mechanical Repair Coverage
  • Auto Loans for new and used cars.2

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NEW AUTO LOAN RATES
TERM (FIXED)

(APR) 3

 PAYMENT
EXAMPLE 4
36 Month  2.490% 36 payments of $578.00
48 Month 2.990%  48 payments of $443.00
60 Month 3.240% 60 payments of $362.00
72 Month  3.740% 72 payments of $311.00
96 Month5  4.490% 96 payments of $249.00


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


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

Get The Coverage You Need!

GAP
INSURANCE

Our MEMBER’S CHOICE™ GAP insurance helps you to "fill the value gap" and avoid financial strain.

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MECHANICAL REPAIR COVERAGE (MRC)

MEMBER’S CHOICE® MRC helps ensure that major repairs to your car are covered when the unexpected happens.

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PAYMENT
PROTECTION

Count on MEMBER’S CHOICE® Credit Life and Disability Insurance when you and your family need help the most.

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1Receive 1.25% off your rate when you qualify for extra discounts. Available discounts are as follows: Take 0.50% off the auto loan rate when you are a Global Rewards Optimum Level Member. Log in to Digital Banking to view your Global Rewards Level. Visit BFSFCU.org/Global Rewards 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. BFSFCU.org/CarBuyingService 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. Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. Visit https://epa.gov/greenvehicles for more information. Total discounts may not exceed 1.25%. Refinancing offers are limited to auto loans you have with other lenders.

2New Vehicles are vehicles for the current or immediately previous model year and an odometer reading of less than 5,000 miles. Used Vehicles include any vehicle with an odometer reading of more than 5,000 miles or are older than the immediately previous model year.

3APR = Annual Percentage Rate.

4Loan payment estimates based on a $20,000 auto loan.

5New vehicles only. Minimum loan amount of $50,000 with a maximum loan-to-value (LTV) ratio of 80%.