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Bay Federal Credit Union Does Home Loans

No payments for 90 days

when you refinance your auto loan from another financial institution!*


Bay Federal offers auto loans with low rates and friendly service. Our representatives can help refinance your loan from another financial institution quickly and easily, potentially saving you hundreds or thousands of dollars!

Our auto loans are designed with you in mind:

  • Finance new or used vehicles.
  • Find terms that fit your lifestyle.
  • Skip a payment once a year, penalty-free!

Your first payment will be deferred for 90 days when your application is received by June 30, 2019

Apply for an Auto Loan today!


“BayFed makes banking simple. My first auto loan was quick, painless, and even fun – we bantered a lot with our loan officer while we filled out the paperwork. I knew we were getting the best interest rates.” -- Amelia from Santa Cruz.


* First payment will be deferred for 90 days. Offer available to applicants with a 640 or higher credit score (Experian Fico V9 Auto Score) on the refinance of a 2009 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans and purchase transactions are not eligible for this offer. Loan application must be received before June 30, 2019, in order to qualify for the deferred first payment. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. All loans are subject to credit approval and income verification per Bay Federal Credit Union lending requirements. Credit Union membership required. Minimum loan amount is $10,000. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or 888.4BAYFED, option 3. Terms subject to change without notice. This offer may not be combined with any other offer. Other restrictions may apply.

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