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Auto Loans

A car loan that puts you in the driver's seat. The car you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.

  • Excellent rates
  • Loan terms up to 96 months for new or used cars
  • Refinance your higher rate auto loans and save

The auto loan application process:

  • Submit an Application: To get the loan process started, first submit an application. You can apply at the credit union, during business hours, or in your pajamas 24x7 using Online Banking and our Online Loan Application.
  • Get Preapproved: We will process your application and notify you when your preapproval is completed, usually the same day.
  • Negotiate the Best Deal: Find the vehicle you want at the price you want and contact us prior to signing.
  • Complete Your Loan Documents: Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign. You can also visit us at the Credit Union to finalize the paperwork.
  • Finalize Your Financing: Pick up the check at the credit union and take it to the dealer.  Dealer not in town?  We can send the funds directly to the dealer as well.

Apply Today Rates


Already in the car you love but don’t love the payment? Let us review your rate and term and see if we can save you some money on your monthly payments. When you refinance your higher-rate auto loans with BDCU, you could reduce your monthly payments and enjoy your ride again.

APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. 


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