Used Auto Loans
Whether you are looking for a used or new Auto Loan1, we are ready to assist you.
- No pre-payment fees
- Easy and convenient online application
- Up to 1.25% off rate discount2
- Terms available up to 84 months
- Optional Members Choice® GAP or Mechanical Repair Coverage
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.
| DISCOUNT | RATE |
|---|---|
| Global Rewards5 | 0.50% |
| Car Buying Service6 | 0.50% |
| Green Car7 | 0.25% |
| Combine All 3 | 1.25% |
Get The Coverage You Need!
Our MEMBER’S CHOICE™ GAP insurance helps “fill the gap” between what you owe on your vehicle and your vehicle’s value so that you’re covered if your car is stolen or totaled.
Mechanical Repair Coverage (MRC)
MEMBER’S CHOICE® MRC helps cover the cost of expensive mechanical repairs, lost keys, roadside
assistance, and more.
BFSFCU members can save time and money when using the BFSFCU Car Buying Service powered by
TrueCar®.8 Save an average of $3,552 MSRP.9
1New 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.
2Receive up to 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.
3APR = Annual Percentage Rate.
4Loan payment estimates based on a $20,000 auto loan.
5Must be a Global Rewards Optimum Level Member to qualify for the Global Rewards Discount of 0.50%. Plus Level Members qualify for a discount of 0.25%. Log in to Digital Banking to view your Global Rewards Level. Visit BFSFCU.org/GlobalRewards for more information.
6TrueCar operates this information website (“Service”) featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations. Neither the accuracy of information provided on this website by selling dealers and users, nor the availability, quality, or safety of vehicles, is guaranteed or controlled by BFSFCU or TrueCar. BFSFCU and TrueCar assume no responsibility for the foregoing. TrueCar® discount only available for dealer purchase, not refinance. Call for details1-888-878-3227. Guaranteed Savings currently not available in all states. In these states, a “Target Price” is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available in stock at the certified dealer.
7Green vehicles are those considered environmentally friendly by the Environmental Protection Agency (EPA.gov/greenvehicles). New vehicles are the current or immediately previous model year having 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.
8TrueCar® discount only available for dealer purchase, not refinance. Call for details 1-888-878-3227. Guaranteed Savings currently not available in all states. In these states, a “Target Price” is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available in stock at the certified dealer.
9Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change.