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Vehicle Loans

Take Control of the Wheel

Bellwether can help you find the right vehicle for you. We offer new, used, and refinance auto loans for cars and trucks.

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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.

Your monthly payment is only...

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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.
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Auto Loans

The Right Option For You

  • Truck and Auto Loans

    Bellwether offers the same great rate for new and used vehicles with flexible terms that are right for you. Apply directly through Bellwether and get preapproved before you go shopping.* We can also help lower your monthly payments on a current vehicle loan with refinancing options.**

  • AutoSmart Car Buying Service

    Search for used or new vehicles and options you're looking for, at your convenience.

    • Research tools let you compare models

    • Check your vehicle's current trade-in value

    • Locate dealers with exclusive credit union member pricing

    • Get Bellwether financing at the dealer or get pre-approved before you go

     

    Shop online for your next ride with AutoSmart.

  • TrueCar

    It's easy to purchase a car with TrueCar and finance it with Bellwether. Bellwether's Online Car Buying Service powered by TrueCar provides upfront local dealership pricing for new and used vehicles.

  • Indirect Lending

    Bellwether works with hundreds of auto dealerships throughout New Hampshire and Northern Massachusetts to get you the best auto loan rate possible. Be sure to mention that you're a member of Bellwether to receive fast, and convenient financing without leaving the dealership. The application process is fast and you’ll receive Bellwether's same low rate and flexible terms. For more information, contact our Indirect Lending Department at 603-429-4700.

Truck and Auto Loans

Bellwether offers the same great rate for new and used vehicles with flexible terms that are right for you. Apply directly through Bellwether and get preapproved before you go shopping.* We can also help lower your monthly payments on a current vehicle loan with refinancing options.**

AutoSmart Car Buying Service

Search for used or new vehicles and options you're looking for, at your convenience.

  • Research tools let you compare models

  • Check your vehicle's current trade-in value

  • Locate dealers with exclusive credit union member pricing

  • Get Bellwether financing at the dealer or get pre-approved before you go

 

Shop online for your next ride with AutoSmart.

TrueCar

It's easy to purchase a car with TrueCar and finance it with Bellwether. Bellwether's Online Car Buying Service powered by TrueCar provides upfront local dealership pricing for new and used vehicles.

Indirect Lending

Bellwether works with hundreds of auto dealerships throughout New Hampshire and Northern Massachusetts to get you the best auto loan rate possible. Be sure to mention that you're a member of Bellwether to receive fast, and convenient financing without leaving the dealership. The application process is fast and you’ll receive Bellwether's same low rate and flexible terms. For more information, contact our Indirect Lending Department at 603-429-4700.

Auto Rate Table

*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: November 22, 2022
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2022 - 2020
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.74%
Notes
Est. monthly pmt: $17.70 per $1,000 (66 mos.)
Vehicle Year
2022 - 2020
Term
67-75 Months
% Financed
Up to 120%
APR (%)
6.54%
Notes
Est. monthly pmt: $16.28 per $1,000 for 75 months
Vehicle Year
2022 - 2020
Term
76-84 Months
% Financed
Up to 120%
APR (%)
7.34%
Notes
Est. monthly pmt: $15.26 per $1,000 for 84 months
Vehicle Year
2019 - 2016
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.99%
Notes
Est. monthly pmt: $17.82 per $1,000 (66 mos.)
Vehicle Year
2019 - 2016
Term
66-75 Months
% Financed
Up to 120%
APR (%)
6.79%
Notes
Est. monthly pmt: $16.40 per $1,000 for 75 months
Vehicle Year
2019 - 2016
Term
76-84 Months
% Financed
Up to 120%
APR (%)
7.59%
Notes
Est. monthly pmt: $15.38 per $1,000 for 84 months
Vehicle Year
2015-2013
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.04%
Notes
Est. monthly pmt: $17.85 per $1,000 (66 mos.)
Vehicle Year
2015-2013
Term
67-75 Months
% Financed
Up to 120%
APR (%)
6.79%
Notes
Est. monthly pmt: $16.40 per $1,000 for 75 months
Vehicle Year
2012 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
8.09%
Notes
Est. monthly pmt: $20.32 per $1,000 (60 mos.)

*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.

Save MORE with Loyalty Pays!

Save more with our Loyalty Pays Program™*

With Loyalty Pays™, you’ll receive a 0.25% rate discount on your next vehicle, personal, or home improvement loan when you currently have an eligible Bellwether Community Credit Union loan*. That loyalty discount rate will save you money every month. The rate discount is available on second and subsequent loans.

*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.

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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