What are the current auto loan rates?

Our auto loan rates start as low as 5.25% APR with Pre-Selected Member pricing. Rates depend on your credit profile, loan term, and vehicle age. Visit our Rates page for the most current rates.

What does "no payments for 90 days" mean?

When you finance with BrightStar, you can defer your first payment for up to 90 days. Interest does accrue during the deferral period, but it gives you breathing room after a big purchase. This offer applies to new auto loans — ask for details when you apply.

Can I get pre-approved before I shop?

Yes! Getting pre-approved is free and doesn't affect your credit score (we do a soft pull for pre-approval). You'll know exactly how much you can afford before you walk onto the lot, giving you negotiating power like a cash buyer.

Do you finance new and used vehicles?

Absolutely. We finance both new and used cars, trucks, motorcycles, boats, and RVs. Used vehicle rates may vary based on the model year and mileage.

Can I refinance my auto loan from another lender?

Yes. If you're paying a higher rate at a bank or another institution, refinancing with BrightStar could lower your monthly payment and save you money over the life of the loan. Apply online and we'll walk you through the process.

What is the Auto Advisors service?

Auto Advisors is a free service for BrightStar members. Our team helps you find the right vehicle at the right price — they handle the negotiation so you don't have to. It's like having a car-buying expert in your corner.

How long can my loan term be?

We offer flexible terms up to 84 months depending on the vehicle and loan amount. Shorter terms mean less interest paid overall, while longer terms lower your monthly payment. We'll help you find the right balance.

What do I need to apply?

You'll need a valid government-issued ID, proof of income (recent pay stubs or tax return), and your Social Security number. If you're purchasing a specific vehicle, bring the VIN and purchase agreement. For online applications, you can complete everything in about 10 minutes.

What is PSM (Pre-Selected Member) pricing?

Pre-Selected Member pricing is our best rate tier, available to qualified members based on their credit profile and relationship with BrightStar. If you qualify, you'll automatically receive the lower PSM rate — no extra steps required.

Can I buy from a private seller?

Yes. We finance private-party vehicle purchases. The process is similar to a dealership purchase — just bring the vehicle details, agreed price, and seller information. We'll handle the rest.

Is GAP insurance available?

Yes. We offer Guaranteed Asset Protection (GAP) coverage that covers the difference between what you owe on your loan and what your insurance pays if your vehicle is totaled or stolen. It's an affordable add-on that provides peace of mind.

Auto Loans Made Easy

Drive the car you want with payments you can afford. Low rates, flexible terms, and no payments for 90 days.

No payments for 90 days — Fast pre-approval — Trusted by thousands

Why Finance With BrightStar?

We're not just another lender — we're your neighbor. Here's what makes our auto loans stand out.

Low Auto Loan Rates

Rates as low as 5.25% APR* to help you save more each month. Pre-Selected Member pricing gives you the best rate available.

Flexible Terms

Custom loan terms up to 84 months designed to fit your budget and lifestyle. Choose the payment that works for you.

Free Auto Advisors

Our experts help you find the perfect car at the right price — they negotiate for you so you get the best deal.

Fast Pre-Approval

Apply online in minutes and shop with confidence knowing exactly how much you can afford.

No Payments for 90 Days

Enjoy a 3-month breather before your first payment. Get settled with your new vehicle — then start paying.

Personalized Service

Our team is here to guide you every step of the way — from pre-approval to driving off the lot.

How It Works

From application to the open road in 3 simple steps

1. Get Pre-Approved

Apply online in about 10 minutes. We'll do a soft credit pull that won't affect your score, and you'll know your budget before you shop.

2. Shop With Confidence

Hit the dealership, browse online, or use our free Auto Advisors service. Your pre-approval gives you negotiating power like a cash buyer.

3. Drive Away Happy

Once you find your car, we finalize the loan — often same-day. Enjoy no payments for 90 days and hit the road.

Current Auto & Vehicle Loan Rates

Rates are updated regularly — see what's available today

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Term			Action

Rates effective as of . Rates may change at any time.

* APR = Annual Percentage Rate. Rates are based on creditworthiness, loan-to-value ratio, and term. Rates and terms subject to change without notice.

PSM = Pre-Selected Member rate. Available to qualifying members based on credit profile and BrightStar relationship.

Ask about our current promotional auto loan rates

View Promotions →

View All Rates →

What Can You Finance?

We finance more than just cars — if it has wheels (or a hull), we can probably help.

New Cars & Trucks

Used Cars & Trucks

Motorcycles

Boats & RVs

Buying New, Used, or Refinancing?

We've got you covered no matter where you are in the process

Buying New

Best rates available — our lowest APRs apply to new vehicle purchases. Get pre-approved first, then negotiate like a cash buyer at any dealership.
No payments for 90 days on new purchases.

Apply for New Vehicle

Buying Used

Great rates on pre-owned — finance used vehicles from dealerships or private sellers. We finance vehicles based on value and condition, not just model year.
Private-party purchases welcome.

Apply for Used Vehicle

Refinancing

Lower your rate — if you're paying more at a bank or dealer, refinancing with BrightStar could save you hundreds per year. Same car, lower payment.
Quick and easy — we handle the payoff.

Refinance My Loan

Free Auto Advisors Service

Don't love negotiating? Let our experts do it for you — completely free.

We Find It

Tell us what you want and our team searches the market for the right vehicle.

We Negotiate

Our advisors negotiate the best price — often below what you'd get on your own.

You Drive

You approve the deal, we handle the financing, and you drive away happy.

Learn About Auto Advisors →

A BrightStar Auto Loan Is Right For You If...

You want to buy a new or used car, truck, motorcycle, boat, or RV

You're paying a high rate at a bank or dealership and want to refinance

You want to get pre-approved before you shop

You hate negotiating and want expert help finding the right deal

You want the flexibility of no payments for the first 90 days

You're buying from a private seller and need financing

Auto Loan Details

Everything you need to know — clear and upfront

Rates Starting At: 5.25% APR*
Vehicles Financed: New & used cars, trucks, motorcycles, boats, RVs
Loan Terms: Up to 84 months
First Payment Deferral: Up to 90 days
Pre-Approval: Free — soft credit pull, no impact to score
Private Party Purchases: Yes — we finance private seller transactions
Refinancing: Available — lower your rate from another lender
GAP Coverage: Available as add-on
Auto Advisors: Free car-buying service

View All Loan Rates → View Loan Disclosures →

Auto Loan Questions, Answered

Find answers to common questions about our checking accounts and services.

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More Ways to Save

Interest Checking

Set up your auto loan payment from an Interest Checking account and earn dividends on your balance while you're at it.

See Interest Checking

Credit Cards

Earn rewards on gas, maintenance, and everyday purchases with a BrightStar credit card.

See Credit Cards

Personal Loans

Need extra funds for insurance, registration, or accessories? A personal loan can cover it.

See Personal Loans

Important Disclosures

*APR = Annual Percentage Rate. This special offer cannot be used in conjunction with any other offer — nor in addition to another rate discount. Conditions and credit approval apply. Individuals who meet the lending and account criteria may qualify for rates as low as 5.25% APR* for Platinum Star Members and as low as 5.50% APR* for non-Platinum Star Members for 36 months. These rates include a .50% basis point rate reduction by using an auto advisor. Other rates and terms are available. Your actual rate, term, payment and down payment may vary, depending on your credit history, loan amount and other factors. Offer does not apply to refinancing of BrightStar CU auto loans. Offer is subject to change or end at any time without notice. Membership eligibility is required. A minimum loan of $10,000 is required for the Automatic Cash Back promotion. Ask a representative for details. Federally insured by the NCUA.

Attention: If you reside in any of the following states, BrightStar Credit Union cannot finance certain secured loans at this time. The affected loan products are all vehicle loans and share/CD secured loans, excluding business auto loans and secured credit cards.

Wisconsin (WI), Iowa (IA), New Hampshire (NH), Louisiana (LA), Virginia (VA), Colorado (CO), District of Columbia (DC), Maine (ME), Massachusetts (MA), Missouri (MO), Nebraska (NE), West Virginia (WV), South Carolina (SC).

Ready to Hit the Road?

Get pre-approved today and shop with confidence. Low rates, flexible terms, and no payments for 90 days. Federally insured by NCUA.

View All Loan Rates