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New Vehicles
Bay Area Credit Union will finance up to 100% of the purchase price of your new car, van or truck, plus tax, title and license (and Mechanical Repair Coverage and Guaranteed Asset Protection, G.A.P. ). We encourage you to check with us first before you go shopping for your next vehicle. Pre-approvals are available to qualified buyers.If you are ready to purchase, APPLY NOW.
Pre-Owned Vehicles
Bay Area Credit Union will finance up to 100% of the NADA retail value of a pre-owned vehicle for qualified borrowers. This applies to vehicles 5 years old and newer. For vehicles 6 to 7 years old, Bay Area will finance up to 100% of the NADA trade value. Mechanical Repair Coverage and Guaranteed Asset Protection, G.A.P. can also be added to the amount financed. If you are ready to purchase, APPLY NOW. Pre-approvals are also available to qualified buyers.
Pre-Approved Loans
At Bay Area Credit Union, you can apply for your credit union loan before you select your vehicle. This gives you the ability to shop knowing your financing is already secured. APPLY NOW.
Save MONEY! Move Your Loan to Bay Area
If you have a vehicle financed at another institution, consider moving it to Bay Area Credit Union. Our competitive rates and flexible terms could reduce your interest and/or lower your monthly payment and SAVE you money. To find out if moving your loan is beneficial to you, APPLY NOW.
Recreational Vehicles, Travel Trailers and Boats
Let's face it, recreation is not only fun, it's therapeutic. Let Bay Area Credit Union help you "afford" the fun. We offer loans for new and pre-owned recreational vehicles, travel trailers and boats. If you have found the RV, travel trailer or boat of your dreams, APPLY NOW. Pre-approvals are also available to qualified buyers.
Motorcycle Loans
Bay Area will finance up to 100% of the purchase price, including tax, title and fees. For pre-owned motorcycles, Bay Area will finance up to 100% of the NADA clean trade-in wholesale value. If you have selected the motorcycle you want to purchase, APPLY NOW. Pre-approvals are also available to qualified buyers.
Sport Vehicles
Snowmobiles, Jet Skis, mopeds and ATVs fall into this category. Bay Area Credit Union will finance new purchases up to 100% of the purchase price, plus tax, license and service contract. Pre-owned sport vehicles can be financed up to 100% of the NADA clean trade-in wholesale value. If you are ready to purchase, APPLY NOW.
Pre-Approved Loans
At Bay Area Credit Union you can apply for your credit union loan before you select your vehicle. This gives you the ability to shop knowing your financing is already secured. Pre-approvals are also available for recreational vehicles, travel trailers, boats, and motorcycle purchases, APPLY NOW.
Bay Area Auto Loan Available at Area Dealer Partners
Did you know you could get your Bay Area Credit Union loan right at the auto dealership? That's right! You get the same great rates, and fast convenient service you've come to expect from your credit union. You can even sign the loan papers at the dealership. The program is available at participating area dealerships. Simply inform the dealer you are a member of Bay Area Credit Union, he'll take care of the rest. You'll be glad you did! Click here for a list of participating dealerships.
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