How do I get pre-approved for an auto loan?

Apply online or visit any branch. Pre-approval lets you shop like a cash buyer with a set budget and rate, giving you more negotiating power at the dealership. There's no obligation, and it doesn't affect your credit score to check.

What's the difference between a home equity loan and a HELOC?

A Home Equity Loan gives you a lump sum at a fixed rate — great for one-time expenses like renovations. A Home Equity Line of Credit (HELOC) works more like a credit card: you draw what you need, when you need it, and only pay interest on what you use. Both use your home's equity as collateral.

Can I refinance my auto loan from another lender?

Absolutely. If you're paying a higher rate elsewhere, 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 credit score do I need to qualify?

We consider the whole picture — not just your credit score. While better credit typically means better rates, we work with members at all credit levels. Our Fresh Start programs and personal loans are designed to help members build or rebuild credit.

Do you offer loans for electric vehicles?

Yes! We offer dedicated EV loans with competitive rates. Whether you're buying new or used, get pre-approved before you shop so you know your budget and can negotiate with confidence.

How quickly can I get approved?

Many loan decisions are made the same day. Auto pre-approvals can be instant online. More complex loans like mortgages and home equity may take a few business days for underwriting. We'll keep you informed every step of the way.

Are there any prepayment penalties?

No. You can pay off any BrightStar loan early without penalties. We believe in helping you become debt-free faster, not charging you for it.

What do I need to apply?

For most loans, you'll need a valid ID, proof of income (recent pay stubs or tax returns), and basic information about the purchase. For home loans, we'll also need property details and a credit check. Start online and we'll guide you through what's needed.

Do you offer business loans?

Yes. We offer business loans and lines of credit tailored to your needs. We listen to your business goals and develop customized solutions — whether you're starting up, expanding, or managing cash flow.

Borrow Smarter. Save More.

Whether you're buying a car, owning a home, or funding what matters — BrightStar has the loan to make it happen, with rates that won't hold you back.

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Low Rates

Credit union rates are typically lower than banks — because we're not-for-profit and member-owned

No Prepayment Penalties

Pay off your loan early and save on interest — we'll never charge you a penalty for it

Fast Decisions

Many loans approved the same day. Auto pre-approvals can be instant online

Personal Service

Real people who listen to your needs and help you find the right fit

Find the Right Loan for You

Auto & Vehicle

New, used, refinance, EV, motorcycle, boat, and RV loans

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Home Loans

Mortgages, home equity loans, and home equity lines of credit

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Credit Cards

No annual fee, great low rates, and credit limits up to $50,000

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Personal & Business

Personal loans for anything you need, plus business lending solutions

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Auto & Vehicle Loans

Auto Pre-Approval Loan

Get pre-approved for a BrightStar auto loan before you shop and enjoy greater buying power. Know your rate and budget upfront so you can negotiate like a cash buyer.

Perks:

Shop with confidence — know your rate before you go
New and used vehicles
Competitive fixed rates
Flexible terms up to 84 months
No prepayment penalties
Quick online application

Get Pre-Approved View Auto Rates

Electric Vehicle Loan

Get pre-approved for a BrightStar electric vehicle loan before you shop and enjoy greater buying power. Go green and save green.

Perks:

Competitive EV-specific rates
New and used electric vehicles
Flexible terms
No prepayment penalties
Pre-approval available online

Get EV Pre-Approval

Auto Refinance Loan

Lower your monthly car payment now! If you're paying a higher rate elsewhere, refinancing with BrightStar could save you real money.

Perks:

Lower your monthly payment
Reduce your interest rate
No prepayment penalties
Quick and easy process
Keep your current vehicle

Refinance Now

Motorcycle Loan

Feel the breeze and enjoy the sunshine with a BrightStar Motorcycle Loan. Competitive rates for new and used motorcycles.

Perks:

New and used motorcycles
Competitive fixed rates
Flexible terms
No prepayment penalties

Apply Now

Boat Loan

Make a splash! Apply for your boat loan now. Get on the water with a BrightStar Boat Loan at competitive rates.

Perks:

New and used boats
Competitive fixed rates
Flexible terms
No prepayment penalties

Apply Now

Camper / RV Loan

Hit the road with all the comforts of home with a BrightStar RV Loan. Explore the open road on your terms.

Perks:

New and used campers and RVs
Competitive fixed rates
Flexible terms
No prepayment penalties

Apply Now

Home Loans

Mortgage Loans

Your dream home is waiting for you. Whether you're thinking of buying a new home or refinancing your mortgage from elsewhere, we can help you achieve your dreams.

Perks:

Purchase and refinance options
Fixed and adjustable rate mortgages
First-time homebuyer programs
Competitive closing costs
Local decision-making and processing
Personalized guidance from application to closing

Apply for a Mortgage View Mortgage Rates

Home Equity Loan

Borrow smart, save big! Get a lump sum at a fixed rate using your home's equity. Perfect for large, one-time expenses.

Perks:

Fixed rate — predictable monthly payments
Lump sum disbursement
Use for renovations, debt consolidation, tuition, and more
Potential tax benefits (consult your tax advisor)
No prepayment penalties

Apply for Home Equity

Home Equity Line of Credit

Use loan proceeds to make home repairs, consolidate bills, pay tuition, take a trip and more. Borrow only what you need, when you need it.

Perks:

Revolving line of credit — draw as needed
Only pay interest on what you use
Great for ongoing expenses or projects
Use for repairs, bills, tuition, travel, and more
Potential tax benefits (consult your tax advisor)

Apply for HELOC

Credit Cards

BrightStar Visa Credit Card

Get the card that's right for you! No annual fee, great low interest rates, credit limits up to $50,000, plus free convenient online access to your account.

Perks:

No annual fee
Great low interest rates
Credit limits up to $50,000
Free online account access
Accepted everywhere Visa is accepted
EMV chip security
Fraud monitoring and alerts

Apply for a Credit Card

Personal & Business Loans

Personal Loan

Buy what you want — when you need it with a BrightStar Personal Loan. Use it for anything: debt consolidation, medical expenses, home improvements, vacations, or unexpected costs.

Perks:

Fixed rates and terms
Flexible loan amounts
Use for any personal expense
No prepayment penalties
Quick approval process

Apply for Personal Loan

Business Loan

Ask us about our Business Loans and Lines of Credit. We listen to your needs and develop customized solutions for you and your business.

Perks:

Business loans and lines of credit
Customized solutions for your needs
Competitive rates
Local decision-making
Dedicated business lending team

Apply for Business Loan Contact Business Lending

Compare Loan Options at a Glance

Find the right loan for your needs

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Rates and terms vary based on creditworthiness and loan type

All loans subject to credit approval

Save While You Borrow

Set up automatic loan payments from your BrightStar checking account and never miss a payment. Free checking, free bill pay, free peace of mind.

Explore Checking Accounts →

Build Your Savings Too

While you pay down debt, grow your emergency fund in the background. Open a savings account with just $1.00 and earn dividends monthly.

Explore Savings Accounts →

1. Choose Your Loan

Auto, home, personal, or business — pick the loan that matches what you need. Not sure? We'll help you figure it out.

2. Apply Online

Our quick online application takes just minutes. You can also visit any branch or call us at 954.486.2728.

3. Get Your Funds

Once approved, your funds are disbursed quickly. Many auto loans fund same day. We'll keep you informed every step of the way.

Loan Questions, Answered

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

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Ready to Make It Happen?

Competitive rates. No prepayment penalties. Real people who care. Apply today and see why members choose BrightStar.

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