Finance or Refinance

No Payment For 90 Days!

Explore Auto Loans with Baptist Health FCU, where we prioritize your financial well-being. Our dedicated team is here to help you navigate the loan process, ensuring you find the best option to drive away in your dream car.

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Auto Financing & Shopping Made Easy with BHFCU

Baptist Health Federal Credit Union offers new, used, and refinanced loan options with competitive, low rates that can help you save money. Whether you’re simply looking to save money on your current loan, or searching for your dream vehicle, our helpful loan staff are here to answer your questions and assist you in getting the financing you need! Stop dreaming and start driving when you finance with BHFCU.

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New & Used Auto Loans

Low interest rates when you finance or refinance

No payment for 90 days

People come before profit when you finance with a credit union

Approval within 24 hours of application

No pre-payment or early payoff penalties

Flexible terms and affordable payments

Pre-approval available for better negotiating power

Friendly, personal, and professional service

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Refinanced Auto Loans

Feel stuck with a high interest auto loan? Refinance with BHFCU and save money each month!

No payment for 90 days

Select a flexible term that fits your life.

Lower your existing payment and rate

Stash the money you save with refinancing in a BHFCU savings account and earn dividends on your return.

Call Us First

Why Finance with BHFCU?

Almost everyone will need a loan for a new or used automobile to meet their transportation needs. When you’re planning a new or used car or truck purchase, CALL US first.

Baptist Health Federal Credit Union offers competitive rates and flexible repayment terms on all of our loans: new and used autos, motorcycles, boats, trailers, recreational vehicles, all-terrain vehicles, farm equipment and more.  Our experienced loan officers can help you figure out which car is the best buy for your budget and which loan is right for you.

*Rates and terms are subject to credit history and are subject to approval.

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Need to make a BHFCU Loan Payment from a Non-BHFCU Account?

*A fee of $5.00 will be assessed by using the site. Please be aware this site is not intended for paying your loan balance in full. Contact us at 501-202-2373 with questions.

Making a Payment is Easy! Just click the “Make a Payment” button at the top of our website or visit any loan page and look for the “Make A Payment” button.

Use our new secure online loan payment site and:

Pay from a checking or savings account from other financial institutions

Pay with a debit card from other financial institutions

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Get Pre-Approval Today!

Dealership Direct Financing

If you’re ready to make a purchase after credit union hours, we can still finance your vehicle!  Simply tell the dealership that you’d like to finance with Baptist Health Federal Credit Union.

Shop for the best deals

Research vehicles

Obtain auto direct dealership financing through your credit union

BHFCU Auto Rates

Current Interest Rates

Product
APR% As Low As*
Term
New/Pre-Owned 2021-2025
3.99%
Up to 36 mos
New/Pre-Owned 2021-2025
4.99%
Up to 48 mos
New/Pre-Owned 2021-2025
5.49%
Up to 60 mos
New/Pre-Owned 2021-2025
5.99%
Up to 72 Mos
New/Pre-Owned 2021-2025
6.49%
Up to 84 mos
Pre-Owned Auto 2016-2020
5.99%
Up to 36 mos
Pre-Owned Auto 2016-2020
6.49%
Up to 48 mos
Pre-Owned Auto 2016-2020
6.99%
Up to 60 mos
Pre-Owned 2015 & Older
7.49%
Up to 36 mos
Pre-Owned 2015 & Older
7.99%
Up to 48 mos

*Rates Effective November 2, 2024. Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract. Current BHFCU loans are not eligible to refinance at this Promotional rate. The APR is determined by, but not limited to, credit score, credit history, income, and debt-to-income.  Full coverage insurance with a maximum deductible of $1,000 is required on all auto loans. Offer and rate advertised are subject to change without notice. Certain restrictions apply.

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Access your account anytime, anywhere!