See if you’re pre-qualified for an Auto Loan. Get My Rate
Auto Buying Service
POWERED by TrueCar®
Hit the road with more savings!
Find a stress-free buying experience with our exclusive Auto Buying Service, powered by TrueCar®. Get a pre-negotiated price and see what others paid before you buy. Best of all, you’ll qualify for a discounted rate when you purchase through the service and finance with your Credit Union.
Get the Right Car at a Better Price.
How the Auto Buying Service Works
Search for a new or used car
Custom-build: Configure your dream car and see what others are paying.
Current Inventory: Search our extensive inventory for your perfect new or used car.
Lock in savings
Once you’ve found the right car, connect with a Certified Dealer to see your member pricing.
Apply online
Get approved and secure financing before heading to your Certified Dealer.
Drive away with savings
Visit your Certified Dealer and test drive your car. If you love it, sign the paperwork and make it yours – no haggling required!
Frequently Asked Questions
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What are the benefits?
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How do I 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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Do you provide counteroffers?
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Can you give me more information about my pre-approval?
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How are interest rates determined?
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What are Rewards Rates?
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What are the guidelines?
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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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What is the process if I have a preapproval letter and I want to make a vehicle purchase over the weekend or after Credit Union hours?
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Will the dealership let me take the vehicle home without same day payment?
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Am I able to purchase a salvaged title/dealer buy back?
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Need Additional Information?
Extended Auto Coverage
Guaranteed Asset Protection (GAP)
Help cover difference of insurance payout (after deductible is met) and loan balance.
Mechanical Repair Coverage (MRC)
Reduce the risk of costly repairs. Create or extend warranty for your car.
Loan Payment Protection (LPP)
Help ensure payments are cancelled in the event of unexpected circumstances.
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Disclosure
1APR is Annual Percentage Rate. Published rates are accurate as of 1/1/2025, and subject to change. Offer subject to credit approval. Rate applies to 2025 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional .50% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. 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 delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 3.99% and a term of 75 months would have a monthly payment of $378.36.
2APR is Annual Percentage Rate. Published rates are accurate as of 1/1/2025, and subject to change. Offer subject to credit approval. Rate applies to 2024 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. 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 delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 4.49% and a term of 75 months would have a monthly payment of $384.26.
3A credit report is required to complete your application. By submitting an application, you are voluntarily agreeing to a credit report inquiry. If you opt out of having your credit report pulled, your application will be withdrawn and your request for credit will not be reviewed.
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