Vehicle Loans
- New and Used Auto Loans
- New and Used Recreational Vehicle and Boat Loans
- New and Used ATV and Personal Watercraft Loans
- New and Used Motorcycle Loans
Bring Your Car Loan Home
Your loan may belong somewhere better.
You found the vehicle. You found the financing. But that doesn’t mean you have to stick with the rate you drove away with.
Bring an eligible vehicle loan from another lender to Bridgeton Onized Federal Credit Union, and you could lower your current rate by up to 3% APR.*
And we’re not just talking cars.
Eligible collateralized loans can include autos, motorcycles, RVs, boats, ATVs, and more.
A lower monthly payment doesn’t always mean you’re saving money.
Some refinance offers lower your payment by stretching your loan over a longer period—which can mean paying more interest over time.
That’s not how we do it.
When you bring your eligible loan to BOFCU, we’ll generally refinance your remaining loan term, with the option to extend it by up to six months if it makes sense for you.
The goal isn’t to make your payment look better. It’s to help put you in a better financial position.
Bringing your loan home may give you even more options.
Save Up to 3% APR*
Qualified borrowers may receive up to a 3-percentage-point reduction from the rate on your existing eligible loan, subject to a 2.99% APR floor.*
Finance Up to 125% of Retail Value*
Owe more than your vehicle is currently worth? Depending on your qualifications, BOFCU may finance up to 125% of the vehicle’s retail value, potentially helping you refinance negative equity at a lower rate.
Access Your Available Equity*
If your vehicle has sufficient equity, you may be able to take cash out as part of your refinance—giving you funds you can use for other expenses or to consolidate higher-rate debt.
Explore GAP + Warranty Options
Refinancing also gives you an opportunity to explore BOFCU’s GAP coverage and vehicle warranty options. BOFCU currently promotes GAP and warranty solutions as member benefits, including warranties it says can cost up to 50% less than dealer warranties.
Eligible collateralized loans can include:
Cars & Trucks
Motorcycles
RVs
Boats
ATVs
Personal Watercraft
And other qualifying collateralized vehicle loans
Vehicles 10 model years old or newer may qualify.*
Refinancing sooner could mean greater savings.
The earlier you are in your existing loan, the more opportunity there may be to save on interest.
If you financed your vehicle within roughly the last two years, now could be a particularly good time to let BOFCU take a look.
Even if you’re not sure whether refinancing makes sense, ask us. We can help you compare your existing loan with your options at BOFCU.
Already Have the Ride? Bring the Loan Home.
You don’t have to buy another vehicle to get a better loan.
Let BOFCU take a look at the financing you already have and see whether bringing your loan home could mean a better rate, better options and real savings.
Home Loans
- Affordable Financing Options
- Fast & Easy Pre-Approvals
- Low Closing Costs & Fees
- Purchase or Refinance
- FHA, PHFA, VA, & More
Personal Loans
- Unsecured Personal Loans: borrow the funds you need for one to six years, with your credit score determining the interest rate.
- Secured Personal Loans: secure the loan amount you need with your collateral.
- Share and Certificate Secured Loans: pledge the amount in your Share or Certificate of Deposit accounts for the life of the loan to help secure the amount you need.
- Refinancing Loans: enjoy lower interest rates and lower payments by refinancing your existing loan from another institution with us.
- Debt Consolidation – consolidate your debt into one, easy-to-manage monthly payment with a competitive interest rate.
Student Loans
Whether you’re an undergraduate, graduate, or career training student, we have loans to help you reach your education goals with confidence.
- Undergraduate or Career Training
- Graduate School Loan
- After Graduate School Loan
Loan Rates
Account Rates are accurate as of
| Type | Rate |
|---|---|
| New Vehicle Loans | As low as 5.24% APR* |
| Used Vehicle Loans | As low as 5.49% APR* |
| Alternative Automobile Loans | As low as 7.99% APR* |
| Personal Loans | As low as 7.99% APR* |
| Visa Credit Cards | As low as 6.00% APR* |
| Secured Visa Credit Cards | 12.50% APR* |
| Share Secured Loans | 2.00% APR* + Share Savings Rate |
| Certificate Secured Loans | 2.00% APR* + Certificate Rate |
| New Motorcycle Loans | As low as 6.99% APR* |
| New Recreational Vehicle and Boat Loans | As low as 6.99% APR* |
| Secured Signature Loans | As low as 6.00% APR* |
| Used Motorcycle Loans | As low as 6.99% APR* |
| Used Recreational Vehicle and Boat Loans | As low as 6.99% APR* |
| New and Used ATV and Personal Watercraft Loans | As low as 6.99% APR* |
| $1,000 One Year Loan - No Credit Report | 18.00% APR* |
| $2,000 Two Year Loan - No Credit Report | 18.00% APR* |
Next Steps
Start your loan application online today, or come see us to learn more about how we can help you with all of your loan needs.