Auto Loans

New, Used, Refinance same low rate

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!

Apply now

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.

Price tag with image of car on it

Apply now

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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Learn more about refinancing

Vehicle equity loan

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

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Apply now

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.


Learn more about coverage

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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Learn more about MRC

GAP Plus

GAP Plus can help fill the gap between what your insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss.

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Learn more about GAP Plus

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)

Apply now

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.

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

  • Motorcycles
  • Recreational vehicles
  • ATV and personal watercrafts
  • Boats (excluding yachts)
  • Specialized collateral
Motorcycle, RV and boat

Learn more about financing

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.

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Find your next car

Auto Loan
Motorcycle Loan
Boat Loan
ATV/Watercraft Loan
RV Loan
Specialized Collateral


  • What vehicle can I afford? What vehicle can I afford?
  • Which vehicle loan is better? Which vehicle loan is better?
  • How much will my vehicle payments be? How much will my vehicle payments be?
  • Should I finance or pay cash for a vehicle? Should I finance or pay cash for a vehicle?
  • Which is better for me: A new or used vehicle? 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!”


More 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.