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Get a Low-Rate Auto Loan from Bellwether

Apply online in minutes for a new, used, or refinanced auto loan. 
✔ Rates as low as 5.24% APR
✔ Finance up to 125%
✔ Terms up to 90 months
✔ Fast, local decisioning
 
 
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Simple, Local Auto Financing

Today's Auto Loan Rates
starting at
5.24% APR
for 2024-2026 vehicles.
Apply Now
Schedule a Consultation
  • Apply in minutes
    Quick online application with no hassle
  • Get a fast decision
    Local processing means faster turnaround
  • Flexible loan options
    New, used, and refinance loans available
  • Know your numbers
    Competitive rates and terms that fit your budget

Bellwether Auto Loan Rates

*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. View full rate table here.

Effective Date: April 8, 2026
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2026 - 2024
Term
0-66 Months
% Financed
Up to 125%
APR (%)
5.24%
Notes
Est. monthly pmt: $17.47 per $1,000 (66 mos.)
Vehicle Year
2026 - 2024
Term
67-75 Months
% Financed
Up to 125%
APR (%)
5.79%
Notes
Est. monthly pmt: $15.92 per $1,000 for 75 months
Vehicle Year
2026 - 2024
Term
76-90 Months
% Financed
Up to 125%
APR (%)
6.49%
Notes
Est. monthly pmt: $14.06 per $1,000 for 90 months

*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. View full rate table here.

Ready to Get Started?

Apply online today and get a fast decision from a local team that understands your needs.

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Banking That Works Harder For You

  • Earn more. With rates often up to 4× the national average*, because we’re member-owned.
  • Bank smarter. Bellwether saves $603 per member household on average* through competitive rates and lower fees.
  • Bank anywhere, anytime. Modern Mobile App and FREE access to 37,000+ ATMs and 6,700+ shared branches nationwide.
  • Bank with confidence. Your money is federally protected up to $250,000.
  • Build better credit. With free score monitoring and personalized financial guidance.
*APY = Annual Percentage Yield. As of January 21, 2026, the FDIC National Deposit Rate for savings accounts shows a national average APY of 0.39 %. Results may vary. Our Emergency Savings account’s APY of 1.75 % is 4.5× higher than that national average. $5.00 minimum to open a savings account. Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate of 0.01% APY. Fees may reduce earnings. Rates are subject to change. Savings amount of $603 per Bellwether member household is an estimation calculated by America's Credit Unions for a Member Benefits Report. Assumes 2.1 credit union members per household. 

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.