Holiday Closing: BFSFCU will be closed on Monday, January 21, 2019, in observance of Martin Luther King Jr. Day.

Auto Loans

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

Diverse group of friends

Member Loyalty Rewards

Get more benefits from your membership with BFSFCU!  Enjoy further loan rate discounts on Personal and Auto Loans for being a loyal member of your Credit Union. 

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 for a New Car


Search for a Used Car


Hear what members are saying about finding and financing a new car with BFSFCU. Credit Union member Roderick and staff member Olga share discuss 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 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 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. You may be eligible for a rate as low as 0.99% on your next auto loan. Visit our Auto Loans Discount page to learn more.
  • 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.


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