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Get pre-qualified for an Auto Loan with NO impact to your credit score.

Auto Buying Service

POWERED by TrueCar®

With Auto Buying Service
As low as 1.64% APR1
Without Auto Buying Service
As low as 2.14% APR2

Our members save an average of $3,655** off MSRP!

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.

Find the car you want and see what others paid.
Price a new vehicle
Locate a used vehicle

How the Auto Buying Service Works

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Search for a new or used car

New: Find your dream car and see what others are paying.

Used: Search our extensive inventory for your perfect used car. 

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Lock in savings

Once you’ve found the right car, connect with a Certified Dealer to see your member pricing. Save an average of $3,655 off MSRP**.

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Apply online

Get approved and secure financing before heading to your Certified Dealer.

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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

  • What are the benefits?

    The BCU Auto Buying Service connects members with dealerships to secure a “TruePrice” on listed vehicles. By doing this, BCU members save on the price of their vehicle and can enjoy a hassle-free experience at the dealership. In addition, members who purchase their vehicle using the Auto Buying Service t are eligible to receive a rate discount on their BCU auto loan.

  • How do I apply?

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

    • Name and address
    • Date of Birth
    • Social Security Number/Tax Identity Number
    • 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.

  • 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-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.

  • How much would I be approved for?

    Since all approvals are based on variables within each applicant scenario, a loan application must be submitted for underwriter review to determine an accurate approval amount. This is based on a few variables, including, but not limited to, your credit history, income, debt ratio, the loan type, and the value of the vehicle relative to the amount of the loan (Loan-to-Value).

  • Do you provide counteroffers?

    Yes. If we are unable to approve the full amount or term requested, we may provide you with a counteroffer.

  • Can you give me more information about my pre-approval?

    After you complete your loan application, you will receive a pre-approval email with next steps. A loan associate will follow up within one business day to discuss loan terms including interest rates, payment options, and loan amount.

    Once a pre-approval is determined, it is valid for 90 days. If the variables used to determine the pre-approval change, the pre-approval terms may change as well. You can apply for a vehicle loan before having decided on a vehicle, and your pre-approval is not specific to one vehicle.

  • How are interest rates determined?

    At BCU, rates are determined using several variables, including, but not limited to: 

    • Your Credit Score
    • Value of the vehicle relative to the amount of the loan
    • Age and type of the vehicle being financed
    • Term
    • Payment method
    • Rewards Member status
    • Use of Auto Buying Service (purchases only)

    For a summary of our loan rates, please visit our Rates page.

    *Note: Interest rates are subject to change.

  • What are Rewards Rates?

    Rewards Rates let you earn more on your deposits and/or save more on your loans. To qualify for a 0.50% Rewards Member rate discount on your auto loan, you must have two of the following relationships:

    a. Direct Deposit of at least $500 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.

  • What are the guidelines?

    The vehicle being financed must be within 10 model years, or 100,000 miles or less to be considered for financing (exceptions may be considered on a case-by-case basis). If you are uncertain whether your vehicle falls within these guidelines, please contact us with the specific VIN and mileage.

  • What are the available loan terms?

    BCU offers a wide range of loan repayment options with terms up to 75 months (up to 84 months for brand new vehicles). You will be assigned a loan associate who will work with you to find the right repayment option for your needs.

  • What is Loan-to-Value?

    Loan-to-Value refers to the amount of the loan in relation to the retail value of the vehicle being financed.

    Example 1: A vehicle with a retail value of $10,000.00, and a loan amount of $9,000.00 has a 90% loan-to-value
    Example 2: A vehicle with a retail value of $10,000.00, and a loan amount of $11,000.00 has a 110% loan-to-value

  • Are there any fees?

    Yes, depending on whether the vehicle is a purchase or refinance. For purchases, please contact a loan associate for more information, as fee amounts can vary by state. There is no fee for vehicle refinances.

  • 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?

    If you purchase a vehicle on the weekend or after business hours, please have your dealership fax/email the purchase order to your loan associate. We will contact you on the next business day to discuss the terms and next steps.

  • Will the dealership let me take the vehicle home without same day payment?

    This is at the dealer’s discretion. Please contact your loan associate to discuss your options prior to arriving at the dealership.

  • Need Additional Information?

    If you would like to discuss in more detail, you may call us at 888-389-8344. Our business hours are 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. You may apply via phone 7 days a week, 24 hours a day. Once your loan application is complete, one of our loan associates will contact you either by email or phone within one business day to review the status of your application.

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.

Prepaid Maintenance

Servicing and maintenance benefits often at lower cost than dealership.

TruStage Auto Insurance

You could enjoy discounted rates and 24/7 claims service.

  • Disclosure


    1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and 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 delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

    2APR for loans secured by certificates will be 1% more than the annual percentage yield (APY) on the certificate.


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