Auto Loans

New, Used, Refinance same low rate auto loans from RBFCU

If you’re shopping for a new or used vehicle, looking to save more on your current vehicle or want to see what options you have for future purchases, we have you covered at RBFCU. Apply online and see how easy it can be!

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Buying a new or used vehicle

Whether you’re shopping for a new or used vehicle, you’ll get the same great rate with an auto loan from RBFCU.

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Refinancing your current loan

Bring your loan from another financial institution over to RBFCU and start putting money back in your pocket.

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Vehicle equity loan

Use your vehicle’s clear title as a quick, easy way to borrow money at a low rate.


An important part of buying or selling your vehicle is the title and registration. Let us help, find more information here.

Car on computer screen

Applying for an auto loan is quick and easy. This step-by-step guide can help you get your application submitted in no time.

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After leasing a vehicle, you may decide that you would like to keep it. You have the option of buying out the lease. Here are some things to consider.

Additional coverage

You can also secure additional coverage and warranties for your vehicle maintenance and loan protection needs. These coverages are provided through RBFCU, so if you are interested in adding them, please click the link below or contact RBFCU’s Consumer Lending Center.


Credit insurance

Credit insurance can help you make sure you’re covered if you can’t make payments because of unexpected illness or injury.

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Mechanical repair coverage

Mechanical repair coverage protects your vehicle from the cost of expensive repairs not covered by your manufacturer’s warranty.

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GAP Plus with Deductible Assistance

GAP Plus with Deductible Assistance may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe.

What to expect when you're applying for an auto loan

1. Fill out your application

If you choose to finance (or refinance) with RBFCU, you’ll submit an application with the details regarding your vehicle, your personal information and your finances.

  • Information about your current vehicle (if you are refinancing or already have found a specific vehicle to purchase) — vehicle identification number (VIN), make, model, year and mileage
  • How long you want to finance your loan (term length)
  • Your current employment and income information
  • Contact information (phone number and email)
  • Information about any joint borrowers you would like to include on the auto loan (including date of birth, address, income and employment, Social Security number and contact information; if applicable)

2. Get a decision

Our loan officers will review your information and we’ll contact you within one business day.

If you’re a member who has downloaded the RBFCU Mobile app, you can enable push notifications and receive an update once a decision is made on your loan.

3. Finalize your loan

Prior to finalizing, provide your vehicle information (VIN, make, model, mileage). RBFCU will let you know if additional information or paperwork is needed. Once all required information has been approved, you’ll be able to finalize your loan.

Motorcycle, RV and boat

Looking for a different type of vehicle? RBFCU also offers financing for:

  • Motorcycles
  • Recreational vehicles
  • ATV and personal watercrafts
  • Boats (excluding yachts)
  • Specialized collateral

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Find Your Next Car

With our partners, you can check inventory at our Preferred Dealers, choose the car you want and finance through RBFCU. Whether you choose to apply online or at the dealership, you get the benefit of RBFCU financing.

Auto Loan (66 month)
Motorcycle Loan
Boat Loan
ATV/Personal Watercraft/UTV
RV Loan
Specialized Collateral

Auto Loans Calculators

  • What vehicle can I afford?
  • Should I finance or pay cash for a vehicle?
  • How much will my vehicle payments be?
  • Which vehicle loan is better?
  • Which is better for me: A new or used vehicle?
“Obtaining my car loan was quick and painless. The rate was even better than I expected!”

Auto Loans FAQs

For qualified members only. Auto loans are subject to credit review and approval. Rates are subject to change without notice. Some restrictions may apply. For complete details, contact the Consumer Lending Center.