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 experience easy and affordable; whether you're shopping for your first car, upgrading to something new, or refinancing a current loan. Credit union members can take advantage of our competitive low rates every day-- not just during a promotional period.
Car Buying Resources
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.
Private Purchase Agreement
If you are attempting to finance a vehicle from a private seller, you must provide a copy of the title and complete a Private Purchase Agreement when applying for a BAFCU auto loan. A blank and printable version of the Private Purchase agreement form is available for your convenience.
Model Years
2026 - 2023
as low as
3.99% APR
Model Years
2022 and Older
as low as
4.99 APR
All credit union loan programs, rates, terms, and conditions are subject to change without notice.
Rate based on creditworthiness of individual applicant and subject to change without notice. Regular qualifications apply. Must meet required criteria to be approved. Extended terms available but may affect qualifying rate. Borrow up to 125% of NADA Clean Retail value on new and used vehicle loans.
