LOANS

Refinancing Your Car

Lower your rate, reduce your payment, and enjoy a quick, easy refinance process.

Check your rate before applying.†

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Love Your Car, Lower Your Payment

Refinance with the Credit Union for lower rates, smaller payments, or a shorter term. Apply online and start saving today!

Today’s Low Rate
as low as
4.14%
APR²
For new cars
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Explore more:

Low Rates
Enjoy competitive, member-exclusive rates that can help you save over the life of your loan.
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Flexible Terms
Choose a loan term that fits your budget and goals—whether that means a lower payment or faster payoff.
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Quick & Easy Process
Apply online in minutes with fast approvals and support at every turn.
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Auto Payment Calculator

Estimate your monthly payment below.

Do you plan to buy new or used?

How much would you like to finance?

How is your credit?

What loan term length are you interested in (months)?

Additional discounts that may apply:

Auto Buying Service

Rewards Member

Estimated monthly payment

$333

Monthly Payment

—

APR

View Rate & Apply Consult an Expert Disclosure

Informational purposes only. Actual terms may vary.¹ Auto Buying Service discount option applies to U.S. residents only.

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Frequently Asked Questions

What information do I need to apply?

At the time of application, you’ll be asked for the following information:

Name and address
Date of Birth
Social Security Number (consumers)/Tax Identity Number (businesses)
Member number (or membership eligibility)
Income and Employment
Co-signer or co-borrower information, if applicable

*Note: A credit report is required to complete an application. By submitting an application, you are voluntarily agreeing to a credit report inquiry.

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What is the difference between a co-borrower and a co-signer?

A co-borrower is considered a joint applicant. This person shares household expenses and income with the primary borrower and agrees to be equally responsible for repayment of the loan. As a result, both applicants’ income and credit profiles are used to support approval of the loan. A co-borrower must be an active BCU member.

A co-signer is also responsible for repayment of the loan in the event the primary borrower defaults on repayment of the agreed loan terms. However, the loan terms are determined solely by the primary borrower’s qualifications.

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How much would I be approved for?

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How are interest rates determined?

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What are Rewards Rates?

Rewards Rates let you earn more on your deposits and/or save more on your loans. To qualify for a 1.00% Rewards Member rate discount on your auto loan, you must have two of the following relationships:

a. Direct Deposit of at least $1,000 per month into a checking account at the Credit Union
b. At least $25,000 on deposit
c. A qualifying loan in good standing, including: Mortgage, Home Equity, Auto, or Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or is delinquent will disqualify you for Rewards Rates.

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What are the vehicle eligibility requirements?

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What are the available loan terms?

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What is Loan-to-Value?

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Are there any fees?

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Am I able to purchase a salvaged title/dealer buy back?

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Where can I find additional information?

We are happy to provide additional guidance and answer your questions! Please give us a call at 888-389-8344. Our Consumer Loan business hours are Monday through Friday 7:30 a.m. to 6:00 p.m. CST. If you are ready to apply, please click here to be directed to our online loan application to apply at your convenience or call us at 888-389-8344 to apply via phone 24/7, and you’re always welcome to visit us at your local Branch. Once your application is complete, an Auto Loan Experts will contact you within one business day to review the status of your application.

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Disclosure

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Refinancing Your Car

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Love Your Car, Lower Your Payment

Today’s Low Rate

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Explore more:

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Auto Payment Calculator

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Frequently Asked Questions

What information do I need to apply?

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What is the difference between a co-borrower and a co-signer?

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How much would I be approved for?

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How are interest rates determined?

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What are Rewards Rates?

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What are the vehicle eligibility requirements?

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What are the available loan terms?

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What is Loan-to-Value?

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Are there any fees?

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Am I able to purchase a salvaged title/dealer buy back?

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Where can I find additional information?

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Refinancing Your Car

Today’s Low Rate

Auto Payment Calculator

What information do I need to apply?

What is the difference between a co-borrower and a co-signer?

How much would I be approved for?

How are interest rates determined?

What are Rewards Rates?

What are the vehicle eligibility requirements?

What are the available loan terms?

What is Loan-to-Value?

Are there any fees?

Am I able to purchase a salvaged title/dealer buy back?

Where can I find additional information?

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