Auto Loans & Refinance
If you're looking for a great interest rate on a loan for a vehicle, you've come to the right place! Bay Federal's auto loans can save you money and time, whether you are buying new or used.
Loan Essentials
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Low interest financing and flexible terms can help lower your monthly payment.
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Easily apply in the BayFed Mobile app or in BayFedOnline or simply request Bay Federal for your financing at the dealership.
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No Payments for 90 Days when purchasing or refinancing your Auto Loan.*
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Keep cash in your pocket with over 100% vehicle financing.
*First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin. All loans subject to credit approval with credit score (Experian FICO V9 Auto Score) of 640+, income verification and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements to received 90 days of deferred payments.
Access AutoSMART to quickly find the right vehicle at the right price.
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Research new and used vehicles.
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Build a new vehicle to your precise specifications.
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Search inventory at participating dealerships.
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Order a used vehicle history report or a lemon check.
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Estimate the value of your trade-in.
Our Dealer Partners
Many local auto dealers will finance your vehicle through Bay Federal right from the lot! The following dealerships partner with Bay Federal to make the auto purchasing and financing process quick and easy. Don't see your dealer on our list? Ask them about financing with Bay Federal or contact us for help!
| Audi Monterey Peninsula |
| BMW of Monterey |
| Cardinale Nissan |
| Cardinale VW Mazda |
| Cypress Coast Ford |
| Cypress Coast Mazda Subaru |
| Frank's Auto Sales Inc |
| Gold Star Buick GMC |
| Land Rover Jag Volvo of Monterey |
| Lexus Monterey Peninsula |
| Mercedes Benz of Monterey |
| Mike's Auto Sales |
| My Chevrolet |
| My Jeep Chrsyler Dodge |
| My Nissan Kia |
| Porsche of Monterey |
| Premier Chevrolet and Cadillac of Seaside |
| Premier Hyundai of Seaside |
| Salinas Honda |
| Salinas Toyota Hyundai |
| Salinas Valley Ford |
| Seaside CDJR, Volks, Cadillac |
| Soledad Auto Sales- Soledad |
| Toyota Salinas |
| Val Strough Honda |
| Victory Toyota |
| Greenwood Chevrolet Buick GMC |
| Greenwood Ford |
| Aloha Motors |
| Auto One |
| Chevrolet of Watsonville |
| Fernandez Auto Sales |
| North Bay Ford Lincoln |
| Ocean Honda |
| Santa Cruz Dodge VW |
| Santa Cruz Motors |
| Santa Cruz Nissan |
| Santa Cruz Toyota |
| Subaru of Santa Cruz |
| Sunset Auto Sales |
| Watsonville Cadillac Buick GMC |
| Watsonville Chrysler Dodge Jeep Ram |
| Watsonville Ford |