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Driving Down the Open Road

Refi Your Auto Loan

Save up to $1,068!*


We have financing that can help your budget! Refinance your auto loan from another financial institution and enjoy more money in your pocket with no payments for 90 days. Take that Spring road trip, stash the cash, or pay down other debt – the choice is yours!

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.


* $1,068 is the difference between the amount paid in interest between Bay Federal Credit Union’s lowest auto loan rate of 2.49% APR compared to 3.84% APR for the California Bay Area market average over the life of a $25,000 auto loan for 72 months. This example is based on a credit score of 730+ and includes a 0.25% rate reduction for setting up automatic payments when the loan is funded. Rate comparison provided by Informa Financial Services as of April 2, 2021. Actual savings may vary. First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. Offer available on the refinance of a 2011 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal loans and purchase transactions are not eligible for this offer. Minimum loan amount is $10,000. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+ and income verification per Bay Federal Credit Union lending requirements. Your final APR may be higher depending upon the age of the vehicle. Bay Federal Credit Union membership required at the time of closing. Loan must be funded now through June 30, 2021 in order to qualify for this offer. This offer is subject to change without notice. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED, option 3.
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