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Auto Loans

We make the car buying experience a breeze!

Whether you're looking for a new or used vehicle, Bay Atlantic FCU offers competitive rates. We aim to make your car buying experience easy and affordable. Click here to view our loan rates!

Applying is easy!

Click here to submit your application online, or visit us in person to submit a physical application.

Click here to view our hours and locations.

Resources and Discounts

Car Buying Information:

Some of the first things on your mind when you decide to buy a new car are probably the size, color, and feel of the vehicle. But there are other factors you need to consider to make sure you're getting what's right for you. We've partnered with Balance Pro to help provide our members with financial resources. They've developed Financial Fitness Minute, which is a short video checklist of what you need to consider before buying a vehicle. Click here to view the video.

Fuel Guide:

You've picked your dream car, but now you have to keep it fueled and running! The cost of fuel is an important factor of owning your own car, and can be a major part of structuring a monthly budget. But how can you know how much a new car will cost you at the pump? The U.S. Department of Energy has compiled a website to help provide information on fuel economy. To view the USDE's fuel guide, click here.

GAP Protection:

If you're dealing with a car accident or theft where your vehicle is declared a total loss, or auto insurance may cover the replacement value. But if you were still making payments on that vehicle, you are still liable for any difference between the insurance settlement and the remaining loan balance. Bay Atlantic FCU offers GAP insurance to help cover that difference so you don't end up paying for a car you no longer have. Out GAP insurance is competitively priced and almost half the cost of a car dealership's. Speak with a lending representative for more information!

Debt Protection

Unfortunately, sometimes life throws us unexpected events. Our Debt Protection is a voluntarily loan-payment protection program designed to help provide you with a safety net when you're dealing with certain life events such as death, disability, and even involuntary unemployment. On eligible loans, you can earn a 0.5% discount on your qualifying rate just for signing up for Debt Protection! Speak with a lending representative for more information!

Direct Deposit/Auto Transfer

Life is stressful and sometimes it's easy to miss a payment. Avoid the hassle and the late fees and sign up for direct deposit or auto transfer for your BAFCU loan! Signing up for direct deposit or auto transfer on eligible loans can earn you a 0.50% discount on your qualifying rate! Speak with a lending representative for more information!

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