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A couple enjoying the great outdoors with their new car

Double Your Deal

$100 Cash Back + 90 days no payments when you refinance your auto loan from another lender*

Apply online or at any of our convenient branches!


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!

*Cash back offer of $100 will be paid as a deposit to a Bay Federal Credit Union savings account upon loan closing. 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 2010 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. Bay Federal Credit Union membership required at the time of closing. Loan must be funded now through March 31, 2020 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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