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New & Used Auto Loans

Drive Away with a Great Auto Loan Rate

Financing your next vehicle is simple with Bellwether. Whether you're buying new, used, or refinancing, we offer auto loans designed to get you on the road quickly and affordably.
  • Check a vehicle’s history with a free CARFAX® Vehicle History Report™
  • Save money with low credit union rates
  • Stress less with our Skip A Pay option when needed
  • Choose from flexible terms to fit your budget
  • Experience fast and efficient loan processing
  • Safeguard your financing with our auto loan protection plans
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Auto Rate Table

*Mileage greater than 125,000 add 1%. Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Effective Date: March 19, 2025
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2025 - 2023
Term
0-66 Months
% Financed
Up to 125%
APR (%)
5.59%
Notes
Est. monthly pmt: $17.63 per $1,000 (66 mos.)
Vehicle Year
2025 - 2023
Term
67-75 Months
% Financed
Up to 125%
APR (%)
5.99%
Notes
Est. monthly pmt: $16.02 per $1,000 for 75 months
Vehicle Year
2025 - 2023
Term
76-90 Months
% Financed
Up to 125%
APR (%)
6.74%
Notes
Est. monthly pmt: $14.19 per $1,000 for 90 months
Vehicle Year
2022 - 2019
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.59%
Notes
Est. monthly pmt: $17.63 per $1,000 (66 mos.)
Vehicle Year
2022 - 2019
Term
66-75 Months
% Financed
Up to 120%
APR (%)
5.99%
Notes
Est. monthly pmt: $16.02 per $1,000 for 75 months
Vehicle Year
2022 - 2019
Term
76-84 Months
% Financed
Up to 120%
APR (%)
6.74%
Notes
Est. monthly pmt: $14.97 per $1,000 for 84 months
Vehicle Year
2018-2016
Term
0-66 Months
% Financed
Up to 120%
APR (%)
7.09%
Notes
Est. monthly pmt: $18.34 per $1,000 (66 mos.)
Vehicle Year
2018-2016
Term
67-75 Months
% Financed
Up to 120%
APR (%)
7.84%
Notes
Est. monthly pmt: $16.91 per $1,000 for 75 months
Vehicle Year
2015 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
8.14%
Notes
Est. monthly pmt: $20.34 per $1,000 (60 mos.)

*Mileage greater than 125,000 add 1%. Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Auto Loan Calculator

Find out how much you can afford based on your monthly payment and what your loan payment will look like based on your purchase price.

APR is set by the Loan Term selected.

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Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. All loans are subject to credit approval. Rates are subject to change at any time.

Save More on Your Next Loan

Saving money is easy with Loyalty Pays. Get a 0.25% rate discount on your next eligible loan—just for being a Bellwether member.*

*Bellwether members who currently have a mortgage, auto, boat, RV, motorcycle, personal, or home improvement loan are eligible to receive a discount on their next vehicle, personal, or home improvement loan. Visa products and personal lines of credit are excluded. Easy Street Loans are not eligible for a discount. Approval is based on credit worthiness. Consumer borrowers only. Cannot be combined with any other loan discount. Cannot be applied to the refinance of a BCCU loan. Rate discount promotion is subject to change without notice.

Vehicle Financing Made Easy

  • Truck and Auto Loans

    Finance your next vehicle with Bellwether. We offer competitive rates, flexible terms, and convenient online pre-approval.

    • Get fast financing for used or new vehicles
    • Save on your auto loan with great interest rates
    • Apply for pre-approval and shop with confidence
    • Lower your current payments with refinancing
  • AutoSmart Car Buying Service

    Find, finance, and drive away happy. AutoSmart makes car buying easy with powerful tools and exclusive member perks.

    • Compare models and find the perfect fit
    • See what your current car is worth
    • Save at participating dealerships
    • Secure your financing in advance
    • Enjoy convenient on-site financing

    Shop online for your next ride with AutoSmart.

  • Find Your Ride with TrueCar

    Get upfront pricing, exclusive member benefits, and seamless Bellwether financing with TruCar.
    • Get upfront pricing, transparency, and no surprises
    • Browse used and new car options
    • Save with exclusive discounts for Bellwether members
  • Finance Your Car on the Spot

    Get your Bellwether auto loan directly at the dealership. We partner with hundreds of locations across New Hampshire and Northern Massachusetts.
    • Choose Indirect Lending right at the dealership
    • Access our same great credit union rates
    • Choose the loan that fits your budget
    • Explore the hundreds of participating dealerships

Truck and Auto Loans

Finance your next vehicle with Bellwether. We offer competitive rates, flexible terms, and convenient online pre-approval.

  • Get fast financing for used or new vehicles
  • Save on your auto loan with great interest rates
  • Apply for pre-approval and shop with confidence
  • Lower your current payments with refinancing

AutoSmart Car Buying Service

Find, finance, and drive away happy. AutoSmart makes car buying easy with powerful tools and exclusive member perks.

  • Compare models and find the perfect fit
  • See what your current car is worth
  • Save at participating dealerships
  • Secure your financing in advance
  • Enjoy convenient on-site financing

Shop online for your next ride with AutoSmart.

Find Your Ride with TrueCar

Get upfront pricing, exclusive member benefits, and seamless Bellwether financing with TruCar.
  • Get upfront pricing, transparency, and no surprises
  • Browse used and new car options
  • Save with exclusive discounts for Bellwether members

Finance Your Car on the Spot

Get your Bellwether auto loan directly at the dealership. We partner with hundreds of locations across New Hampshire and Northern Massachusetts.
  • Choose Indirect Lending right at the dealership
  • Access our same great credit union rates
  • Choose the loan that fits your budget
  • Explore the hundreds of participating dealerships
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Auto Loans

FAQs

What's APR?

APR stands for Annual Percentage Rate; the rate of interest that you will pay on the loan each year.

How does my credit score impact my auto loan interest rate?

The higher your credit score and the better your credit history, the more likely you will receive better interest rates.

Can I refinance an existing auto loan?

Yes, you can refinance your auto loan, and we’re happy to help you move your loan over to Bellwether Community Credit Union. Existing Bellwether loans are not eligible for refinancing. Must qualify for membership.


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Third Party Site Disclaimer

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union. Proceed to https://docs.google.com.