Auto loans that really get you moving

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Auto Loans

Rates as low as

APR Effective 11/1/2015*


New auto loans

2013 & Newer


Used auto loans

2012 & Older

*See important information about rates, fees and other costs

low rates and flexible terms for easy auto loans

Let's hit the road

Whether you're picking the kids up from practice or heading out for a weekend camping trip, your car connects you to the things you love. With competitive interest rates, helpful online tools and extra protections, BECU auto loans make it simple to get behind the wheel.

Used cars at new car rates

At BECU, cars up to two years old qualify for new car rates whether it's a brand-new, or one new-to-you, you can benefit from our competitive interest rates.

BECU Reprice Program

We believe in second chances. The BECU reprice program is just that – a second chance. Improve your credit score and/or payment history, we may “reprice” your auto loan with a new, lower APR (if you're not already receiving the lowest rate we offer).*

What can can I afford? What will my payments be? Should I buy new or used? Purchase or lease?

It's important to know the answers to these questions before you start looking at cars. Use the calculators below to get an idea of how much your monthly payments might be and what car or loan types are best for you, so you can make sure that the car you want is affordable.


Refinancing your current car loan is easy, and can save you money if you qualify for a lower rate with BECU. Even if your loan is with another bank, we may be able to beat your current rate, and help you save hundreds of dollars a year.

Before you buy

Get pre-approved for your car loan

There are advantages to getting pre-approved. When you get pre-approved before you start shopping you'll have peace of mind about how much you can comfortably spend.


Car Buying Tips

Make an informed car purchase.


Compare loan options with our auto loan guide

Easy financing at participating dealerships

When you find the car you want, you can apply for a BECU Auto Loan right at the dealership—just ask for BECU financing. You'll get the same great BECU rates, with the convenience of one-stop shopping at the dealership. Learn about Financing at the Dealership.**

Researching your purchase?

BECU partners with AutoSMART, a service provided by Credit Union Direct Lending (CUDL) that helps you locate dealers, view new and used cars, research trade-in values, get a vehicle history check, and more. 

Is an RV what you're looking for?

We have loans available for RVs, with no application fees, flexible repayment terms, and easy online account access. Learn more

Loan Payment Protection

Loan Payment Protection may help safeguard you and your family in case you're injured, or you lose your job. Depending on your situation, BECU will suspend your minimum monthly payments, or in extreme circumstances such as loss-of-life, even cancel part or all of your remaining car loan.

  • Options when you purchase include: life, disability and involuntary unemployment
  • Pricing is based on the options you choose, plus your monthly outstanding loan balance
  • See Terms and Conditions, as some restrictions apply

For more information or to get loan payment protection after you finance, call BECU at 800-233-2328.

Guaranteed Asset Protection (GAP)

If your car is stolen or totaled, most auto insurance policies only cover its Blue Book value, leaving you to pay the difference between what your car is worth, and what you still owe. GAP may cover any remaining balance between your insurance settlement and your outstanding loan.

GAP insurance can be added to new or used vehicle loans, and covers losses up to $50,000, and insurance deductibles up to $1,000. It's available on loans originally financed for 100% or more of the car's value, and for loan terms of 48 months or more. You can add GAP to your loan when you purchase your car, or call us at 800-233-2328 to add it to an existing loan. 

Ready to apply?

Getting Behind the Wheel

Car Buying Basics

Read more
Financial Freedom

Reducing Debt

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*BECU periodically evaluates the credit rating of each member who has a credit card, line of credit or auto loan with BECU. If your score has improved sufficiently and your account is in good standing, we will look at reducing your rate (if you're not already receiving our lowest rate).  

**This is a summary of BECU auto loan program. Same rates apply at the dealership as if applying directly with BECU. Loans and BECU financing program subject to BECU credit and underwriting approval.