BVSCU will NEVER ASK FOR YOUR USERNAME, PASSWORD, OR VERIFICATION CODE. If someone asks, hang up and call BVSCU immediately at 281-391-2149.
Vehicle Loans
Get behind the wheel with flexible, budget-friendly auto loans. Enjoy low rates and terms designed to keep your payments manageable.
Get a Vehicle Loan That Puts You in the Driver’s Seat
- Rates as low as 4.99% APR*
- 100% financing available
- Quick pre-approval & easy online application
- No application fees or pre-payment penalties
- Terms up to 84 months
- EZ Car Care app to manage your loan with ease
Find your car with Auto Finder
Ready to Buy Your First Car?
We’re here to make buying your first simple and stress-free. With 100% financing available, you’ll have confidence from day one.
As long as you’re 18 or older, have 12 months of employment, and proof of insurance, you’re on your way to owning your first vehicle. Plus, you automatically qualify for a $500 Credit Card upon approval to help build credit.
Contact a loan officer at 281-391-2149
*All loans subject to credit approval & APR is based on various credit-worthy criteria.
Vehicle Loans Rates
2025 New Vehicles & Newer
NEW VEHICLES
| TYPE | TERM | APR* |
|---|---|---|
| 2025 New Vehicles & Newer | 4.74% – 16.74% | Up to 48-54 Months |
| 4.99% – 16.99% | Up to 60 Months | |
| 5.24% – 17.24% | Up to 72 Months | |
| 5.74% – 17.49% | Up to 84 Months |
Used Vehicles
USED VEHICLES
| TYPE | TERM | APR* |
|---|---|---|
| 2022-2024 Used Vehicles | 4.99% – 16.99% | Up to 48 Months |
| 5.24% – 17.24% | Up to 72 Months | |
| 2018 – 2021 Used Vehicles | 5.49% – 17.49% | Up to 48 Months |
| 5.74% – 17.49% | Up to 60 Months | |
| 2014 – 2017 Used Vehicles | 5.99% – 17.49% | Up to 48 Months |
| 6.24% – 17.49% | Up to 54 Months |
* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.
Payment Calculator
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Protect Your Investment
Guaranteed Asset Protection (GAP) Plus
Avoid financial loss if your vehicle is totaled or stolen. GAP Plus covers the difference between what you owe and what insurance pays. Download the GAP Plus Brochure
- Covers the gap between your insurance settlement and loan/lease balance.
- Includes $1,000 toward your next vehicle loan when you finance again with your credit union.
- Peace of mind protection against unexpected costs when the unexpected happens.
Mechanical Repair Coverage (MRC)
Protect your car and your wallet with MRC, designed to save you money and keep you on the road with confidence. Download the MRC Brochure
- Coverage that could save you thousands as your vehicle ages and needs repairs.
- Nationwide protection at any authorized repair facility across the U.S. and Canada.
- Perks like 24 hour roadside assistance, rental car coverage, and travel reimbursement up to $200 daily.
Liberty Mutual Insurance
Members get preferred auto insurance rates with Liberty Mutual.
- Feel confident with liability coverage that covers medical and property expenses for all.
- Collision and comprehensive vehicle coverage options that fit your budget.
- Save more when you bundle! Call 1-888-532-9153 to get your free quote today.
Debt Protection with Life Plus
Debt Protection
Your safety net for unexpected life events. It may cancel or reduce your loan balance or payments (up to contract maximums). Add on one of the following to your debt protection package to increase your peace of mind:
- Life Plus (Death)
- Disability
- Involuntary unemployment
Contact a loan officer at 281-391-2149 to get started.
Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances such as:
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
** AUTO LINK **
*Must be 18 years old to apply. Must be a member or eligible for membership in order to qualify for and obtain a loan. Join BVSCU for just $5. Requirements for eligibility can be found on our website at https://www.bvscu.org/about-us/membership-eligibility. A 2025 auto loan at a rate of 4.99% APR will have 84 monthly payments of $14.14 per $1,000 borrowed. Loan rate and term are determined by the year of the vehicle. Refer to our rate page at https://www.bvscu.org/loans/rates-fees for complete details. APR = Annual Percentage Rate. APR is based on various credit-worthy criteria. All rates are subject to change at any time without notice. All credit is subject to approval.
*Insurance and mechanical repair coverage products are not products of BVSCU and are not obligations of or guaranteed by BVSCU. Insurance and mechanical repair coverage products may be purchased from an agent or an insurance company of your choice; and BVSCU makes no representations as to the services of any provider.