Credit union · NCUA insured
Blue Flame Credit Union Auto Loan Rates
Blue Flame Credit Union auto loans start at 5.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 22, 2026.
How Blue Flame Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Blue Flame Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Blue Flame Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- —
New Cars
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Blue Flame Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Blue Flame Credit Union 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.
New & Used Farm Equipment & Trailers (Special Secured)
APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 7.99% | — |
| up to 84 months | 8.99% | — |
Sources (2)
All captured Oct 22, 2026
New & Used Motorcycles
Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | — |
| up to 48 months | 6.99% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 7.69% | — |
| up to 84 months | 7.99% | — |
Sources (2)
All captured Oct 22, 2026
New & Used Powersport, ATV, UTV & Dirt Bikes
Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 7.99% | — |
| up to 84 months | 8.99% | — |
Sources (2)
All captured Oct 22, 2026
New & Used RVs & Boats
APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV. Shorter terms with lower minimum finance amount available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 7.99% | — |
| up to 84 months | 8.49% | — |
| up to 96 months | 8.99% | — |
| up to 120 months | 9.99% | — |
Sources (1)
- blueflamecu.org/lending/lending-rates · captured Oct 22, 2026
New Cars
To qualify for new car loan rates, vehicle must have less than 5k miles and less than 90 days in service. Rates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 5.49% | — |
| up to 72 months | 5.79% | — |
| up to 84 months | 6.29% | — |
| up to 96 months | 6.89% | — |
Sources (2)
All captured Oct 22, 2026
Private Party Vehicle Title Sales
Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | — |
| up to 48 months | 6.99% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 7.99% | — |
| up to 84 months | 8.49% | — |
Sources (1)
- blueflamecu.org/lending/lending-rates · captured Oct 22, 2026
Truck and SUV Loans
Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Minimum required finance amount must exceed amount listed. Shorter terms with lower minimum finance amounts follow our New or Used Car Loan rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 120 months | 7.39% | Minimum required finance amount must exceed amount listed. Actual rate based on individual credit and terms of loan. |
| up to 96 months | 7.49% | Minimum required finance amount must exceed amount listed. Actual rate based on individual credit and terms of loan. |
Sources (2)
All captured Oct 22, 2026
Used Cars
Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| up to 48 months | 5.99% | — |
| up to 60 months | 6.49% | — |
| up to 72 months | 6.69% | — |
| up to 84 months | 6.99% | — |
Sources (2)
All captured Oct 22, 2026
Who can join Blue Flame Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.