Finance your auto loan with Bay Federal and get 90 days of no payments!*
Finance your auto loan from another institution and get 90 days of no payments. Save money and finance locally! Available on purchases and refis.
Ready to ride and save? With our auto loans, you won’t have to worry about your first payment for 90 days! Whether you're refinancing or buying, this gives you the breathing room you need.
Enjoy competitive rates and the option to skip up to two payments a year on qualified loans. Drive into your future with confidence and financial ease. Apply in minutes and hit the road!
When you get a loan with us, you get:
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90 days of no payments*
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Competitive rates
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Great service from a local, trusted credit union
Autos*
| Up to 48 months | 66 months | 72 months * | 84 months ** | |
|---|---|---|---|---|
| 750+ | 6.49% | 6.74% | 6.99% | 7.49% |
| 700-749 | 6.99% | 7.24% | 7.49% | 7.99% |
| 650-699 | 7.74% | 7.99% | 8.24% | 8.74% |
| 610-649 | 9.24% | 9.49% | 9.74% | 10.24% |
| < 610 | 10.74% | 10.99% | 11.24% |
*First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. A discount of 0.25% off your eligible rate will be applied for full Electric Vehicles and 0.25% off for enrollment in automatic payments at the time of funding. No rate reduction given for hybrid vehicles. Offer available on the finance of a 2014 or newer vehicle, and the refinance of a 2014 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans are not eligible for this offer. Minimum loan amount is $5,000. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Maximum LTV up to 125%. Must have a valid driver’s license. Bay Federal Credit Union membership required at the time of closing. Loan must be funded now through September 30, 2024 in order to qualify for this offer. This offer is subject to change without notice. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED.