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Refinancing Your Car


As low as 2.14% APR2
We'll help you lower your payment and save on interest.
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Low Rates

Rates as low as 2.14%.2 Qualify for a 0.50% rate reduction2 with Rewards Rates.

Flexible Financing Terms  icon

Flexible Financing Terms

Choose loan terms up to 84 months and enjoy no payment for the first 60 days.

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Quick & Easy Process

A fast and easy application process with check delivered as soon as the next business day.



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Frequently Asked Questions

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).

How are interest rates determined?

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

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?

There is no fee for vehicle refinances.

What documents do I need to provide?

Once your application has been approved, you will be required to provide the payoff amount for your current auto loan and a copy of your valid vehicle registration. Depending on your state of residence, you may also need to provide your vehicle title and a copy of your valid driver’s license.

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)

Guaranteed Asset Protection (GAP) can help cover the difference between an insurance payout (after the deductible is met) and any remaining loan balance on your vehicle.

GAP benefits:

  • Covers vehicles¹ financed by the BCU for the term of the loan (up to 84 months)
  • Helps protect loans on vehicles declared a total loss due to being damaged or stolen
  • No mileage or model restrictions.
  • Assists with your deductible payment, cancelling part of your debt when a collision or comprehensive claim is paid and a deductible is incurred

Review the brochure for more information. Ready to purchase GAP? Contact us at 800-388-7000 ext. 8186.

1Some restrictions apply. Ask for details.

Mechanical Repair Coverage (MRC)

Avoid costly repairs or costly coverage with Mechanical Repair Coverage (MRC). It's ideal if you want to reduce the risk of costly vehicle repairs. MRC lets you create or extend a warranty for your car—at a price typically far less than what the auto dealers charge.

MRC benefits:

  • The freedom to choose your own mechanic. MRC is accepted at all licensed repair facilities in the US and Canada
  • Get reimbursed for travel expenses and car rentals
  • 24 hour emergency roadside assistance, including towing
  • Extensive coverage. Get up to 15 model years or 150,000 miles of add-on protection for eligible vehicles
  • Transfer the plan to a private party if you sell your vehicle
  • Choose from three levels of coverage
  • Affordable coverage that can be included in your auto loan payments.

Review the brochure for more information. Ready to purchase MRC? Contact us at 800-388-7000 ext. 8186.

If you're a current policyholder, feel free to use the following resources (call us with your VIN or policy #):

  • Claims information for Florida residents: 800-621-2130
  • Claims information for non-Florida residents: 800-752-6265
  • https://www.mrclaims.net/ -- This is a self-serve website for our members to check on status for their existing MRC Claims
  • 24/7 Roadside Assistance: 888-723-3202

Loan Payment Protection (LPP)

Loan Payment Protection (LPP) is designed to help ensure your loan payments are cancelled1 in the event of unexpected circumstances like disability or unemployment.

If an unexpected life event occurs, LPP can help protect you, your family, and your credit from long-lasting concerns by canceling your protected loan payment(s)1. Knowing your loan is protected can help you gain peace of-mind. This is valuable protection designed with options to fit your budget and the cost can be conveniently included in your loan payment. Be sure to ask your Member Service Representative about eligibility, conditions, or exclusions.

LPP benefits:

  • Makes or cancels loan payments in the case of involuntary unemployment, sickness, injury, or death
  • Protect your credit
  • Valuable protection that fits your budget and can be conveniently included in your loan payment

Ready to purchase LPP? Contact us at 800-388-7000 ext. 8186.

1Up to the contract maximums.

*Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

Please contact your Member Service Representative or refer to the Member Agreement for a full explanation of the terms and conditions of Debt Protection.

You may cancel the protection at any time. If you cancel protection with 30 days, you will receive a full refund of any fee paid.

Prepaid Maintenance

Prepaid Maintenance is made available by the Credit Union and the Gold Standard Automotive Network (GSAN), providing vehicle servicing and maintenance benefits often at a lower cost than an auto dealership.

The maintenance discounts included in the policy can be applied to:

  • Oil changes
  • Annual alignment checks and tire rotations
  • Wiper blade replacements
  • Brake pads
  • Batteries, and more!

BCU’s Prepaid Maintenance policy term is 3 years or 50,000 miles.

A “full benefits” policy or a “limited benefits” policy may be available based on your state of residence. Both policies offer a suite of maintenance and service discounts, while the full coverage policy offers additional features including key/fob replacement and windshield repair.

Prepaid Maintenance can be added to your vehicle as part of the Credit Union auto financing process, but you can also choose to add it to your vehicle financed elsewhere.

To request a Prepaid Maintenance policy for your car or to learn more, please contact a representative at 888-389-8344.

TruStage Auto and Homeowners Insurance

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your quote today or call 1-855-483-2149.

Get A Free Quote!

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

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