Auto Loans
We make the car buying experience a breeze!
Whether you're looking for a new or used vehicle, Bay Atlantic FCU offers competitive rates. We aim to make your experience easy and affordable; whether you're shopping for your first car, upgrading to something new, or refinancing a current loan. Credit union members can take advantage of our competitive low rates every day-- not just during a promotional period.
Model Years
2025 - 2022
as low as
4.74% APR*​
Model Years
2021 and Older
as low as
5.74% APR*​
*APR = Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice. All credit union loan programs, rates, terms, and conditions are subject to change without notice. Borrow up to 125% of NADA Clean Retail value. Regular qualifications apply. Must meet required criteria to be approved. Existing BAFCU auto loans are not eligible for refinance.
Debt Protection
Unfortunately, sometimes life throws us unexpected events. Our Debt Protection is a voluntarily loan-payment protection program designed to help provide you with a safety net when you're dealing with certain life events such as death, disability, and even involuntary unemployment. On eligible loans, you can earn a 0.5% discount on your qualifying rate just for signing up for Debt Protection! Speak with a lending representative for more information!
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Direct Deposit/Auto Transfer
Life is stressful and sometimes it's easy to miss a payment. Avoid the hassle and the late fees and sign up for direct deposit or auto transfer for your BAFCU loan! Signing up for direct deposit or auto transfer on eligible loans can earn you a 0.50% discount on your qualifying rate! Speak with a lending representative for more information!
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GAP Protection
If you're dealing with a car accident or theft where your vehicle is declared a total loss, or auto insurance may cover the replacement value. But if you were still making payments on that vehicle, you are still liable for any difference between the insurance settlement and the remaining loan balance. Bay Atlantic FCU offers GAP insurance to help cover that difference so you don't end up paying for a car you no longer have. Out GAP insurance is competitively priced and almost half the cost of a car dealership's. Speak with a lending representative for more information!
Discounts and Coverage
Car Buying Resources
Fuel Guide
You've picked your dream car, but now you have to keep it fueled and running! The cost of fuel is an important factor of owning your own car, and can be a major part of structuring a monthly budget. But how can you know how much a new car will cost you at the pump? The U.S. Department of Energy has compiled a website to help provide information on fuel economy.
Private Purchase Agreement
If you are attempting to finance a vehicle from a private seller, you must provide a copy of the title and complete a Private Purchase Agreement when applying for a BAFCU auto loan. A blank and printable version of the Private Purchase agreement form is available for your convenience.
