EduDrive is BrightStar Credit Union's exclusive auto loan program designed specifically for school employees. It offers rates as low as 4.99% APR for up to 72 months, no payments for 90 days, and 2 free skip-a-payment options per year.

Who is eligible for EduDrive?

Any employee of a K-12 school, college, or university in our service area is eligible. This includes teachers, administrators, support staff, counselors, paraprofessionals, custodial staff, and more. You'll need to provide proof of education-based employment (paycheck stub or school ID).

What rate can I expect?

EduDrive rates start as low as 4.99% APR for up to 72 months. Your actual rate depends on your individual credit history and other factors.

How does the 90-day no payment work?

After your EduDrive loan closes, you won't need to make a payment for 90 days. Interest does accrue during this period, but it gives you financial breathing room while you settle into your new vehicle.

What is the skip-a-payment benefit?

EduDrive includes 2 free skip-a-payment options per rolling 12-month period. If you face an unexpected expense, you can skip a monthly payment without penalty. Interest continues to accrue during skipped months.

Do I need to be a BrightStar member?

Yes, BrightStar Credit Union membership is required. If you're not already a member, you can join when you apply — membership is open to anyone who lives, works, or goes to school in our service area.

Can I use EduDrive for new and used vehicles?

Yes, EduDrive financing is available for both new and used vehicles, as well as refinancing an existing auto loan from another lender.

Click the "Apply for EduDrive" button on this page. You'll choose whether you're a new or existing member, then complete the application online. You can also visit any BrightStar branch or call us at 800-637-BSCU (2728).

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EduDrive — The Auto Loan for School Employees

The EduDrive Car Loan Program offers school employees low rates starting at 4.99% APR, no payments for 90 days, and 2 free skip-a-payment options.

The EduDrive Car Loan Program is a specially tailored financial initiative designed to support school employees when buying a car. At BrightStar, we understand the pivotal role that educators play in shaping the future — this program offers favorable loan terms, reduced interest rates, and flexible payment options.

Why Choose EduDrive?

Low Rates from 4.99% APR*

Save more with competitive financing — rates as low as 4.99% APR for up to 72 months.

No Payments for 90 Days

Enjoy financial breathing room before your first payment. Drive today, pay later.

2 Free Skip-a-Payments

Manage unexpected expenses with flexibility — skip up to 2 payments per rolling 12-month period.

EduDrive Auto Loan — As Low As

4.99% APR*

For up to 72 months · No payments for 90 days

Eligibility Requirements

To qualify for EduDrive, you'll need to:

Show proof of education-based employment (paycheck stub or school ID)

Enroll in direct deposit equivalent to your monthly loan payment

Activate autopay for your loan

Be a BrightStar Credit Union member (or join — it's easy!)

Who Qualifies?

EduDrive is available to all school employees in our service area, including:

Teachers and professors at public and private schools

Administrators, principals, and assistant principals

Support staff, counselors, and paraprofessionals

School nurses, psychologists, and social workers

Custodial, cafeteria, and transportation staff

Any employee of a K-12 school, college, or university

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