Auto loans

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Auto Loans

Rates as low as

APR Effective 12/1/2017*

2.24
%
APR

New auto loans

2015 & Newer

2.84
%
APR

Used auto loans

2014 & Older

*See important information about rates, fees and other costs

Whether you're picking the kids up from practice or heading out for a weekend camping trip, your vehicle 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.

Financing Your Loan

Used cars at new car rates

At BECU, cars and trucks up to two years old qualify for new car rates whether it's brand-new, or one new-to-you. BECU is a great place to finance your new or used car or truck loan.

Refinancing

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.

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*

Earn a better rate

We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate). We'll update your APR and let you know.


Auto Buying Services

Buy the car you want, your way. The online Auto-Buying Center is built to help you with every aspect of your vehicle purchase. Visit AutoSMART for a complete auto shopping solution, offering comprehensive research tools and with more than 2 million vehicles available for purchase –you're sure to find the vehicle you're looking for.

Self-Service Auto Buying:  Shop and Save

  • Browse inventory and compare vehicles 
  • Research industry information on rebates and protection packages
  • Check the value of your trade-in
  • Locate your next car and apply onsite for BECU Financing

Full-Service Auto Buying:  Dial and Drive

If the thought of researching a vehicle, negotiating the price, and spending hours at the dealership makes you want to keep driving your current car, the Preferred Plus program is for you! 

  • Work with an Auto Advisor to help guide you through the purchase process 
  • Connect with a Preferred Plus dealer that has agreed to offer pre-determined member pricing
  • Enjoy a streamlined buying experience from start to finish  

Visit AutoSMART for a complete auto shopping solution


Playing with Numbers

What can I afford? What will my payments be? New or used? Purchase or lease?

It's important to know the answers to these questions before you start looking at cars. Use our calculators to get an idea of how much your monthly payments might be and what car or loan type is best for you.

Compare loan options with our vehicle loan comparison tool

Before you Buy: Get Pre-approved and Brush up on Car Buying

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.

Resources: Car Buying Tips

Brush up on the ins and outs of shopping for and buying a car with this webinar and article.

Optional Loan Protection

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.

AutoSMART services are provided by Credit Union Direct Lending and is not affiliated with BECU.  BECU specifically disclaims all warranties with regard to dealers' products and services.  Dealer fees apply. BECU loan financing subject to credit and underwriting approval, and may change without notice.

*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.