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2.24% APR* Plus 90 Days of No Auto Payments!**


Need more room? With interest rates at a historic low, now is the time to save! If you have an auto loan at another institution, you may be able to lower your monthly payments and enjoy 90 days of no payments when you refinance with Bay Federal Credit Union.

Our auto loans will get you out of the house and onto your next adventure:

  • 90 days of no payments
  • Low rates
  • Extra discounts for automatic payments

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.


 * Annual Percentage Rate (APR). Based on approval of credit with credit score (Experian FICO V9 Auto Score) of 730+, up to a 51 month term on the rate and term, for the refinance of a 2015 or newer vehicle. Rate example includes a .25% reduction for member loyalty of having a mortgage or checking account open prior to 7/1/2020 and a .25% reduction for enrollment in automatic payments. Payment per $1,000 for a 51 month term is $20.58 based on 2.24% APR. Minimum loan amount is $5,000. Maximum loan amount is 110% of Kelley Blue Book Adjusted Retail Value plus GAP. Your actual APR may vary based on your credit history along with the age and mileage of vehicle financed.

** First payment will be deferred for 90 days. Based on approval of credit with credit score (Experian FICO V9 Auto Score) of 640+. Minimum loan amount to qualify for the 90 day payment deferral is $10,000. 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 and funded by December 31, 2020. Offer available on the purchase or refinance from another Financial Institution of a 2010 or newer vehicle. Credit Union membership required. Refinances of current Bay Federal loans are not eligible for this offer. Terms subject to change without notice and offer may not be combined with any other offer. Other restrictions may apply. For complete information, visit any Bay Federal Credit Union branch, or call us at 888.4BAYFED.

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