Auto Loans & Refinance

If you're looking for a great interest rate on a loan for a vehicle, you've come to the right place! Bay Federal's auto loans can save you money and time, whether you are buying new or used.

Loan Essentials

  • Low interest financing and flexible terms can help lower your monthly payment.

  • Easily apply in the BayFed Mobile app or in BayFedOnline or simply request Bay Federal for your financing at the dealership. 

  • No Payments for 90 Days when purchasing or refinancing your Auto Loan.*

  • Keep cash in your pocket with over 100% vehicle financing. 

*First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. 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 to received 90 days of deferred payments.

Access AutoSmart today

Access AutoSMART to quickly find the right vehicle at the right price.

  • Research new and used vehicles.

  • Build a new vehicle to your precise specifications.

  • Search inventory at participating dealerships.

  • Order a used vehicle history report or a lemon check.

  • Estimate the value of your trade-in.

Our Dealer Partners

Many local auto dealers will finance your vehicle through Bay Federal right from the lot! The following dealerships partner with Bay Federal to make the auto purchasing and financing process quick and easy. Don't see your dealer on our list? Ask them about financing with Bay Federal or contact us for help!


Audi Monterey Peninsula
BMW of Monterey
Cardinale Nissan 
Cardinale VW Mazda
Cypress Coast Ford
Cypress Coast Mazda Subaru
Frank's Auto Sales Inc
Gold Star Buick GMC
Land Rover Jag Volvo of Monterey
Lexus Monterey Peninsula
Mercedes Benz of Monterey
Mike's Auto Sales
My Chevrolet
My Jeep Chrsyler Dodge
My Nissan Kia
Porsche of Monterey
Premier Chevrolet and Cadillac of Seaside
Premier Hyundai of Seaside
Salinas Honda
Salinas Toyota Hyundai
Salinas Valley Ford
Seaside CDJR, Volks, Cadillac
Soledad Auto Sales- Soledad
Toyota Salinas
Val Strough Honda
Victory Toyota

Greenwood Chevrolet Buick GMC
Greenwood Ford

Aloha Motors
Auto One
Chevrolet of Watsonville
Fernandez Auto Sales
North Bay Ford Lincoln
Ocean Honda
Santa Cruz Dodge VW
Santa Cruz Motors
Santa Cruz Nissan
Santa Cruz Toyota
Subaru of Santa Cruz
Sunset Auto Sales
Watsonville Cadillac Buick GMC
Watsonville Chrysler Dodge Jeep Ram
Watsonville Ford

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