VEHICLE LOANS
New and Used Car Loans
Whether you’re buying your next car, refinancing your current loan, or upgrading your daily drive, Blue is here to help make the process easier.With competitive rates, flexible terms, and local support you can count on, our auto loans are designed to help you move forward with confidence.
Finance The Car That Fits Your Life
Member-owned means your goals come first. Blue offers flexible financing options designed to support your budget, your lifestyle, and wherever the road takes you.
Competitive Rates
Great rates on new and used vehicles designed to help keep your monthly payment manageable.
Easy Refinancing
Already have an auto loan somewhere else? Refinancing with Blue could help lower your rate or monthly payment, with no payments for 45 days.
Flexible Terms
Choose repayment options that fit your budget and your goals — whether you’re buying or refinancing.
NOVA Perks™ Benefits
Eligible members can receive a 5.00% interest rebate on eligible auto loans through our NOVA Perks™ program.
Financing That Fits The Road Ahead
Find competitive rates on new and used vehicle loans and explore financing options built to support wherever life takes you.
Car Loans
Electric and Hybrid Car Loans
Motorcycle Loans
Ready to get started?
Your next adventure is closer than you think
Whether you’re still looking or already at the dealership, we can help you move fast. Apply online or schedule time with our team.
Estimate your monthly payment.
Use our personal loan calculators.
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FAQs
Frequently asked questions around vehicle loans at Blue Federal Credit Union.
What Types Of Vehicles Can I Finance?
Blue offers financing for a wide range of vehicles, including cars, trucks, SUVs, motorcycles, RVs, campers, boats, ATVs, and more.
Can I Finance A New Or Used Vehicle?
Yes. Blue offers financing options for both new and used vehicles, along with refinancing options for existing loans.
What Do I Need To Apply For A Vehicle Loan?
When applying for a vehicle loan, you may be asked to provide:
- A valid government-issued ID
- Proof of income
- Proof of residence
- Vehicle information, including VIN (if available)
- Insurance information
Additional documentation may be required depending on the loan type and application.
Is Insurance Required For A Vehicle Loan?
Yes. Insurance is required for all financed vehicles and must include:
- Comprehensive coverage
- Collision coverage
- A maximum deductible of $1,000
Coverage must be effective on the date of purchase and remain active until the loan is paid in full. Blue Federal Credit Union must also be listed as the loss payee/lienholder on the policy.
What Happens If I Don’t Maintain Insurance Coverage?
If acceptable insurance coverage is not maintained on your financed vehicle, Collateral Protection Insurance (CPI) may be added to the loan.
How Do I Submit Proof Of Insurance?
Proof of insurance can be submitted to Blue after your loan closes. Your insurance declarations page should include:
- Insured name
- Vehicle information and VIN
- Policy number
- Policy period
- Deductible amounts
- Blue Federal Credit Union listed as lienholder/loss payee
Blue provides online, email, fax, and mail submission options for proof of insurance.
Can I Refinance My Current Vehicle Loan?
Yes. Refinancing your current vehicle loan with Blue may help lower your rate, reduce your monthly payment, or simplify your finances.
Why Finance With A Credit Union?
As a member-owned credit union, Blue focuses on helping members reach their goals with competitive rates, flexible terms, and personalized support throughout the loan process.
Can I Apply At The Dealership?
Yes. If you’re already at the dealership, simply let the dealer know you’d like to finance with Blue Federal Credit Union.
How Long Does The Vehicle Loan Application Process Take?
Applying is quick and easy. You can apply online in just a few minutes, and many applications receive a decision quickly. Processing times may vary depending on the loan type and any additional documentation needed.
All rates effective as of:
Rates may be subject to change without notice.