Auto Loan Rates as Low As4
Benefits and Features of a BECU Auto Loan
BECU auto loans are built to help members achieve more. Our members-only benefits include:1
- Competitive interest rates. We keep our auto rates competitive by only offering car loans to members.
- Flexible loan options. A new auto loan interest rate may be applied to cars up to two years old to help you spend less on financing.
- Automatic rate reviews. Every auto filing option includes automatic enrollment in our BECU BECU Reprice Program.2 which may lower your interest rate as your credit improves.
Monthly Autopay for Your Auto Loan
Stay on track without the stress by setting up automatic monthly payments from Online Banking. Bill Pay makes it easy to stay on track, avoid late fees and pay down your car loan on time. For more information, visit the Loan FAQ page.
Auto Loan Payment Protection Options
Add optional loan payment protection (LPP) to your BECU car loan. If you experience job loss, disability or other qualifying events, this coverage may help you make your monthly payments.
To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Consumer Loan Payment Protection Contract.
On-site Car Financing at Select Dealers
Finance your vehicle with BECU directly through participating dealerships. No catch, no gimmicks — just the same great auto loan rates and member benefits you'd find at your local Neighborhood Financial Center. Shop local dealer inventory3
Auto Loan Calculators: Estimate Your Car Payment
Use our auto loan calculators to help estimate your monthly payment or what you can afford. Enter your desired loan amount, term and interest rate to explore what fits your budget.
When you're ready to apply for your auto loan, you can also use our Vehicle Loan Comparison Tool to compare different auto financing scenarios. Unlike the calculators above that help with planning, this tool collects your vehicle and financing details to start the actual loan process and lets you compare down payments, terms and monthly payments side-by-side. See current APR ranges and disclosures (PDF).
Compare Auto Loan Options: New, Used and Refinance
Not sure about the differences? We'll walk you through what you can expect with each loan option. If you're just starting your car-buying journey, you may also want to check out our How to Buy a Car guide. Getting preapproved for a car loan before you shop can also help you better understand your budget, strengthen your negotiating power and lock in great auto loan rates ahead of visiting a dealer.
New Car Loans: Earn Competitive Interest Rates
Take out a BECU auto loan to finance your new car purchase and enjoy competitive new car interest rates, predictable monthly payments and flexible terms up to 84 months.4
Used Car Loans: Flexible Terms and Great Rates
Purchase a reliable used vehicle with fixed rates and flexible repayment terms.
On average in 2024, monthly used car payments were nearly $200 less than payments for new cars. Not sure which option is best for you? Find out how much car you may be able to afford.
Refinance Your Car Loan With BECU
When you move your car loan from another lender to BECU, you could potentially lower your interest rate, reduce your monthly payment or pay off your loan faster. Learn more about auto refinancing with BECU.
Apply Online for an Auto Loan
Eligibility and Documents Needed
To apply for a BECU auto loan, be prepared with your income and employment information. If you're purchasing a used vehicle, you'll also need the vehicle details such as the vehicle's year, make, model, and options. Our Vehicle Loan Checklist (PDF) provides detailed information about what you need for the type of loan you want to take out. If you're not yet a member, your first step is to join BECU online before starting your loan application.
Contact BECU
Need help with your application? Our member consultants are available to answer your questions and guide you through the process. Drop by your nearest location, schedule an appointment to talk in person or via Video Banking, or give us a call at 844-BECULOAN (844-232-8562).
Auto Loan FAQs
Yes, you can apply for a BECU auto loan online. Decision times vary, but a loan processer will reach out to you 24-48 hours after receiving your application.
Yes, BECU offers on-site auto financing at many local dealerships. Learn more about financing at the dealership by visiting our the BECU Dealership Financing FAQ.
Depending on your vehicle and credit profile, you could finance a car with BECU with terms up to 84 months.
Yes. Auto loans are only available to BECU members. Currently, anyone who lives, works, worships or goes to school in Washington state can qualify and may be eligible for BECU membership. Residents of select counties in Oregon, Idaho, and South Carolina, as well as members of partner associations are also eligible. Learn more about eligibility, or if you're ready to join, apply for membership today.
Please note your payments might differ depending on factors like your credit or current rates.
Yes, you can get an auto loan for a car from a private seller from BECU. To get started, you'll need to provide a copy of the vehicle's current registration, a bill of sale signed by all borrowers and sellers and payoff information. For more details, visit our Vehicle/Vessel Loan checklist (PDF).
Related Content
1Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.
2With a reprice, your rate cannot drop below the lowest current published rate. Loan products available for this benefit may change at any time, the reprice program may end at any time, and we may not be able to lower your rate with each evaluation.
3AutoSMART 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.
4Loan rates effective 11/01/2025 and are based on financing of a 5-year, $30,000 loan of a BECU member with an excellent credit score for a car two years old and newer, with a 90% loan-to-value for an auto loan amount of $30,000 or greater. Actual APR will be based on applicant creditworthiness, LTV, loan amount, age of collateral, and loan term and may be higher than the lowest rate advertised above. Loan program offered including rates, terms, and conditions are subject to change without notice. Payment example for a 5-year, $30,000 loan with an interest rate of 5.99%, the APR would be 5.99% APR with monthly payments of $579.84.
*This is a summary of BECU auto loan program. Loans and BECU financing program subject to BECU credit and underwriting approval.