Now through January 31, 2025, Bay Federal members can get an auto loan rate as low as 5.99%!*
Limited-Time Offer: Exclusive 0.25% Auto Loan Rate Reduction for Bay Federal Members!*
Great news for Bay Federal members! For a limited time, you can take advantage of an exclusive 0.25% rate reduction on auto loans, bringing rates as low as 5.99% APR.* Whether you're shopping for a new car or refinancing your current vehicle, this special offer is here to help you save. Plus, if you're going green with a fully electric vehicle, you’ll qualify for an additional 0.25% discount!
But hurry—this offer is only available through January 31, 2025.
When you get a loan with us, you get:
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0.25% rate reduction for current Bay Fed members — Don’t miss out on this opportunity to save on your next auto loan.
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90 days of no payments** — Relax with no payments for the first 90 days after refinancing.
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Great service from a local, trusted credit union — Our team is here to help you every step of the way!
It's easy to get started! Apply through BayFedOnline or the BayFed Mobile app for a streamlined experience!
*A 0.25% promotional discount will be applied to the best available rate for which the borrower qualifies and is included in this rate example. Offer available to current Bay Federal Credit Union members on the purchase or refinance of a 2014 or newer vehicle currently financed at another financial institution. The promotional rate is unavailable for current Bay Federal Credit Union auto loans. This rate example includes 0.25% off for enrollment in automatic payments at the time of funding. An additional discount of 0.25% off your eligible rate will be applied for full Electric Vehicles. No rate reduction is given for hybrid vehicles. Minimum loan amount is $5,000. The loan must be funded between December 19, 2024, and January 31, 2025, to qualify for the promotional discount. This offer is subject to change without notice.
Payment Example: Loan amount of $12,000 at 5.99% APR for 48 months would have monthly payments of $281.71.
**First payment deferred for 90 days. Interest will continue to accrue from the date of the loan disbursement and becomes due once payments begin. Subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+.
All loans subject to credit approval, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Maximum LTV up to 125%. Subject to credit approval. Must have a valid driver’s license. Bay Federal Credit Union membership is required at the time of closing. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED.