How does the 90-day no payment work?

After your BrightStar auto loan closes, you won't need to make a payment for 90 days. Your first payment is due 3 months after closing. This gives you time to adjust your budget after a vehicle purchase.

Does interest accrue during the 90-day deferral?

Yes, interest accrues during the 90-day deferral period. The accrued interest is spread across your regular monthly payments, so there is a small increase in your total loan cost. However, you benefit from having cash on hand when you need it most.

What types of vehicles qualify?

The 90-day no payment offer applies to new vehicles, used vehicles, and auto loan refinances from another lender. It does not apply to refinancing an existing BrightStar auto loan.

Can I combine this with the EV loan discount?

Yes. If you're financing an electric or plug-in hybrid vehicle, you can get the 0.25% EV rate discount and the 90-day deferred payment together.

Can I make a payment during the 90-day period if I want to?

Absolutely. The deferral is optional — you're welcome to make payments at any time during the 90-day period. Any payment made during deferral goes directly toward your loan balance.

What is the current auto loan rate?

Our auto loan rates start as low as 5.25% APR for Preferred Members. Standard rates start at 5.50% APR. Your actual rate depends on your credit profile and loan terms.

Do I need to be a BrightStar member?

Yes, membership is required. If you're not already a member, you can join when you apply — it only takes a few minutes and membership is open to anyone in our service area.

Click the "Apply for an Auto Loan" button on this page. You can also visit any BrightStar branch or call us at 800-637-BSCU (2728). The application takes just a few minutes and you can get a decision quickly.

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No Payment for 90 Days

Drive today, pay later. Get a BrightStar auto loan and make no payments for the first 90 days. Rates as low as 5.25% APR for Preferred Members.

Drive Today. Pay Later.

Get behind the wheel now and keep your money in your pocket for the first 90 days. With a BrightStar auto loan, your first payment isn't due until 3 months after closing — giving you time to settle in without the pressure of an immediate car payment.

No Payments for 90 Days

Your first payment isn't due for 3 full months after your loan closes. Drive now, pay later.

Rates as Low as @5.25% APR

Preferred Members enjoy our lowest auto loan rates. All members get competitive financing with flexible terms.

New, Used & Refinance

Finance a new car, a used vehicle, or refinance your current auto loan from another lender and still get 90 days deferred.

How It Works

Getting started is simple:

Apply online, at a branch, or over the phone — approval can take minutes

Choose your vehicle: new, used, or refinance from another lender

Close your loan and drive away — no payment due for 90 days

After 90 days, your regular monthly payments begin automatically

Auto Loan Rate — As Low As

@5.25% APR*

Preferred Members

Standard: @5.50% APR

What's Included

90 days deferred — no payment due for 3 months

Terms up to 84 months for flexible payments

No application fees or prepayment penalties

Finance new, used, or refinance from another lender

Quick decisions — apply online and get approved fast

Perfect For

First-time buyers who need breathing room before payments start

Anyone between jobs or starting a new position — get a car now, pay when your income stabilizes

Members refinancing from another lender — lower your rate and defer your next payment by 90 days

School employees heading into summer — finance now and delay payments until the fall

Families managing seasonal expenses who want to keep cash on hand

Anyone who wants to drive their new car today without an immediate financial commitment

Going Electric? Save Even More.

Finance an electric or plug-in hybrid vehicle and get an additional 0.25% rate discount on top of our already low auto loan rate — plus no payments for 90 days.

Learn About EV Loans