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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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.

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

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The miles can add up, but the repair costs don't have to. Unexpected repairs can happen after your factory warranty expires. MRC can help you limit the cost of covered breakdowns.

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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.

You can check your loan status any time by signing in to your Online Banking account via a computer or the RBFCU Mobile app.

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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.

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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 - 72 month
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ATV, Personal Watercraft, UTV Loan - 60 month
RV Loan - 60 month
Specialized Collateral
  • What vehicle can I afford?
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  • Should I finance or pay cash for a vehicle?
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  • How much will my vehicle payments be?
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  • Which vehicle loan is better?
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  • Which is better for me: A new or used vehicle?
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“Obtaining my car loan was quick and painless. The rate was even better than I expected!”
  • How do I record the title and lien for my auto?
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    For instructions on processing your title and lien for your vehicle when purchasing from a dealer, via lease buyout, a private seller or refinancing from another financial institution, please follow our Title and Lien Recording Instructions.

  • Do I have to be a member to get an auto loan with RBFCU?
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    To secure a loan with RBFCU, membership is required. If you would like to complete your loan application right away, then complete the membership application later, you may access our non-member loan application.

  • How soon will I know if my auto loan application has been approved?
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    A decision will be made on your loan application and you will be notified typically within one business day. RBFCU members can also check their loan’s status by signing in to their Online Banking account.

  • When do I make my first auto loan payment?
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    Qualified borrowers may choose a first payment date up to 60 days from the date the auto loan is finalized. You can specify your preferred date to your Consumer Lending Specialist (e.g., the first of the month, etc.) before signing your loan documents.

  • Are there any vehicles that RBFCU does not finance?
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    RBFCU does not finance salvaged or reconditioned vehicles.

For qualified members only. Auto loans are subject to credit review and approval. Rates are subject to change without notice. Interest will accrue during the deferment period for the 60 day no payment option. Some restrictions may apply. For complete details, contact the Consumer Lending Center.