Credit union · NCUA insured
BECU Auto Loan Rates
BECU auto loans start at 5.89% APR for a new vehicle and 6.19% for a used one. Rates checked October 22, 2026.
How BECU’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where BECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BECU
5.89%APR
- Terms
- up to 84 months
- Up to
- —
New Auto Loans
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
BECU auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.89%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BECU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
10 Days To Save on Auto Loans
Promotional event discount from September 19-28, 2025 at participating dealerships on new or used vehicle purchases. Loan application must be received on-site at participating dealer. Includes optional no payments for 90 days (interest accrues). Cannot be combined with other offers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Promotional rate in effect Sept. 19-28, 2025. Based on financing of a 5-year, $40,000 loan for established member with excellent credit score for a car 2 years old and newer, with 90% LTV. Includes 0.50% auto event discount and 0.50% rate reduction for loan amount $40,000 or greater. Standard non-event loan rate range effective 10/15/2026 is 5.89% to 18.00% APR. |
Sources (1)
- becu.org/landing/auto-event · captured Oct 22, 2026
Auto Loan Refinancing
Available to BECU members. No application fees and no penalty for early payoff. Automatic enrollment in BECU Loan Reprice Program. Collateral mileage cannot exceed 150,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.89%–18.00% | Auto Loan Refinance APRs range from 5.89% to 18.00%. Lowest APR based on borrower's credit history, 60-month or less repayment term, collateral two (2) years old or newer with up to 90% loan-to-value (LTV) and approved collateral value by BECU. Terms exceeding 60 months, >90% LTV, or collateral older than 2 years subject to higher APRs. Rates shown for ZIP 98168. |
| — | 5.39%–18.00% | Limited-time promotional discount: apply to refinance an external auto loan from another lender by 12/31/2026 and receive a 0.50% APR discount on the qualified rate. Rates with discount are 5.39% to 18.00% APR. Rates shown for ZIP 98168. |
Sources (1)
- becu.org/loans-and-mortgages/auto/Refinance · captured Oct 22, 2026
New Auto Loans
Available only to BECU members (membership open to anyone living, working, worshipping, or going to school in Washington state, select counties in Oregon, Idaho, South Carolina, or partner associations). Automatic enrollment in BECU Reprice Program.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.89% | For model year 2024 & newer (up to two years old). Advertised as low as rate based on 5-year, $30,000 loan with excellent credit and 90% LTV on auto loan amount of $30,000 or greater. Rates shown for ZIP 98168. |
Sources (1)
- becu.org/loans-and-mortgages/auto · captured Oct 22, 2026
Used Auto Loans
Available only to BECU members. Automatic enrollment in BECU Reprice Program.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.19% | For model years 2023 - 2016. Rates shown for ZIP 98168. |
Sources (1)
- becu.org/loans-and-mortgages/auto · captured Oct 22, 2026
Who can join BECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship or attend school in certain geographies.
Employers and groups
- Eligibility is open to individuals who are part of an affiliated organization.
Other ways
- If other eligibility criteria do not apply, BECU may donate to a qualifying association on the applicant's behalf to qualify them for membership.
Cost to join
- Membership is free, and a savings account can be opened in person with no initial deposit.
- Opening an account online requires a minimum share deposit of $10.
Membership information collected October 4, 2026.