Federally Insured by NCUA
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Learn more here about our first-time auto buyer program.
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| Type | APR* | Terms |
| New Vehicles | ||
|---|---|---|
| 2025 New Vehicles & Newer | 4.99% - 16.99% | Up to 48-54 Months |
| 5.24% - 17.24% | Up to 60 Months | |
| 5.49% - 17.49% | Up to 72 Months | |
| 5.74% - 17.49% | Up to 84 Months | |
| Used Vehicles | ||
| 2022-2024 Used Vehicles | 4.99% - 16.99% | Up to 48 Months |
| 5.24% - 17.24% | Up to 72 Months | |
| 2018 - 2021 Used Vehicles | 5.49% - 17.49% | Up to 48 Months |
| 5.74% - 17.49% | Up to 60 Months | |
| 2014 - 2017 Used Vehicles | 5.99% - 17.49% | Up to 48 Months |
| 6.24% - 17.49% | Up to 54 Months |
* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.
For example, the payment for a $25,000 auto loan at 5.49% APR for 72 months would be $408.39.
Specialty vehicles, such as specially-ordered vehicles are only available for terms up to 72 months.
*All rates are subject to change without notice
LOAN AMOUNT
LOAN LENGTH IN MONTHS
INTEREST RATE (%)
Approximate Monthly Payment
Ready to apply for your auto loan? Make sure you have your driver's license ready.
Want to learn more about your Auto Loan options? Schedule an appointment with us.
Liberty Mutual
Call Center 1-888-380-9287
Polly's
Call Center 1-855-532-9153
*Must be 18 years old to apply. Must be a member or eligible for membership in order to qualify for and obtain a loan. Join BVSCU for just $5. Requirements for eligibility can be found on our website at https://www.bvscu.org/about-us/membership-eligibility. A 2025 auto loan at a rate of 4.99% APR will have 84 monthly payments of $14.14 per $1,000 borrowed. Loan rate and term are determined by the year of the vehicle. Refer to our rate page at https://www.bvscu.org/loans/rates-fees for complete details. APR = Annual Percentage Rate. APR is based on various credit-worthy criteria. All rates are subject to change at any time without notice. All credit is subject to approval. Promotional rate valid 5/1/25 through 6/30/25.
*Insurance and warranty products are not products of BVSCU and are not obligations of or guaranteed by BVSCU. Insurance and warranty products may be purchased from an agent or an insurance company of your choice; and BVSCU makes no representations as to the services of any provider.