Auto Loans: Car & Truck Loans | BCCU

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We can help you find the right vehicle you want at the price you want. You can trust Bellwether Community Credit Union to help you every step of the way. We offer great rates on new and used vehicles, helping you find your dream car or truck. If you live or work in the New Hampshire area or Essex or Middlesex Counties in Massachusetts, we have affordable options for your next auto loan. You can also lower your interest rate when you are an active Loyalty Rewards Checking member.

Bellwether provides the resources you need to find the right vehicle, get the best auto loan rate and purchase the car loan or truck loan you're looking for. Learn why Bellwether is your premier auto loan lender and drive off in the vehicle of your dreams sooner. Refinance your existing loan and see if we can lower your payment.* Apply now directly through Bellwether and get pre-approved before you go shoppinh.

*Refinancing does not apply to current Bellwether auto loans.



A car's history affects its value. CARFAX® Vehicle History ReportsTM can help you make better used car-buying decisions. CARFAX has the most accident and damage information. A CARFAX Vehicle History Report purchased via our CARFAX website costs $19.99 for one vehicle and we will waive that fee when your loan is approved and funded through Bellwether. 

Our team will pull the CARFAX Report and review it with you. Visit our CARFAX portal to learn more about the benefits of requesting a CARFAX Report.


Bellwether Community Credit Union works with hundreds of auto dealerships throughout New Hampshire and Northern Massachusetts to get you the best loan rate. Be sure to mention that you're a member of Bellwether Community Credit Union to receive fast and convenient financing without leaving the dealership. The application process is fast and you will receive Bellwether's same low rate and flexible terms. 

For more information contact our Indirect Lending Department at 603-429-4700.



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

Here's how it works:

Compare. Build a new vehicle based on your preferences - such as make, model and options - or search the inventory of thousands of used cars. See and compare New Hampshire and Massachusetts dealer-guaranteed prices and what others paid.

Connect. Once you choose the car you like, you'll have access to work with a network of local, TrueCar Certified Dealers. Select a dealer and print your Guaranteed Savings Certificate* before you go to the dealership.

Get pre-approved. Apply for a Bellwether new or used auto loan before you visit the dealer. Take your Guaranteed Savings Certificate and Bellwether's pre-approval to the dealer. Now you are ready to buy!

Save time and money with hassle-free pricing and low rates, start shopping today. Get guaranteed pricing and enjoy savings off MSRP* on new vehicles and discounts on quality pre-owned inventory. Visit the dealership to complete your purchase. Drive off the lot when you finance with Bellwether.

*The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

Rate Comparison

Bellwether Community Credit Union rates as low as 0.0%


Average* 0.0% APR

Save up to Now!


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Use Bellwether's Auto Loan Calculator to calculate what your monthly payment might be. Choose your loan length and rate to start, and discover your potential auto loan options today.


Rates effective as of January 26, 2021

Want to learn more about your auto loan options and terms? Visit our Manchester, Nashua, or Bedford branches and talk to one of our helpful associates.




Bellwether is proud to offer competitive auto loan rates for residents in New Hampshire or Essex/Middlesex County, Massachusetts. Browse current rates for new and used vehicles below to examine term length, percentage financed, and APR options. Check current rates on all of our loans here.

Auto Loans: New and Used
Effective Date: Tuesday, January 26th, 2021
Vehicle YearTerm% FinancedAnnual Percentage Rate (APR) As Low As*CommentsApplication
Vehicle Years 2021 through 2019
2021 - 2019 0-66 Months Up to 100% 2.79% APR Est. monthly pmt: $29.08 per $1,000 (36 mos.)
Est. monthly pmt: $22.13 per $1,000 (48 mos.)
Est. monthly pmt: $17.96 per $1,000 (60 mos.)

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2021 - 2019 67-75 Months Up to 100% 3.09% APR Est. monthly pmt: $14.77 per $1,000 for 75 months

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2021 - 2019 76-84 Months Up to 100% 4.14% APR Est. monthly pmt: $13.83 per $1,000 for 84 months

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Vehicle Years 2018 through 2015
2018 - 2015 0-66 Months Up to 100% 3.04% APR Est. monthly pmt: $29.14 per $1,000 (36 mos.)
Est. monthly pmt: $22.20 per $1,000 (48 mos.)
Est. monthly pmt: $18.03 per $1,000 (60 mos.)

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2018 - 2015 67-75 Months Up to 100% 3.59% APR Est. monthly pmt: $14.95 per $1,000 for 75 months

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2018 - 2015 76-84 Months Up to 100% 4.69% APR Est. monthly pmt: $14.04 per $1,000 for 84 months

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Vehicle Years 2014 through 2012
2014 - 2012 0-66 Months Up to 100% 3.64% APR Est. monthly pmt: $29.41 per $1,000 (36 mos.)
Est. monthly pmt: $22.46 per $1,000 (48 mos.)
Est. monthly pmt: $18.30 per $1,000 (60 mos.)

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2014 - 2012 67-75 Months Up to 100% 4.19% APR Est. monthly pmt: $15.22 per $1,000 for 75 months

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Vehicle Years 2010 and Older
2011 & older 0-48 Months Up to 80% 5.69% APR Est. monthly pmt: $23.39 per $1,000 (48 mos.)

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*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. Rates shown include a .10% discount for Loyalty Rewards Checking. To calculate undiscounted rate, add back the appropriate discount(s) based on your specific situation. Title, UCC & VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans subject to credit approval. Rates are subject to change at any time.


After you've applied for your auto loan and purchased the car or truck of your dreams, protect your investment with affordable loan protection products* from Bellwether including:

Guaranteed Asset Protection (GAP): When the unexpected happens, make sure you're prepared. For just a few dollars added to your regular payment (or the full price paid up front), you can save yourself from making loan payments on a car, truck or other vehicle that's been totaled or stolen and not recovered.

Mechanical Repair Coverage (MRC): With this coverage, you can protect your vehicle - and your budget - from unexpected repair expenses that could total hundreds or even thousands of dollars. 

Tru$tage Auto & Homeowners Insurance: Auto owners in New Hampshire trust Bellwether Community Credit Union to provide quality products and services to meet their financial needs. We've joined with a dedicated team of insurance professionals to bring you the Tru$tage™ Auto & Homeowners Insurance Program. 

* Insurance products sold through or in the credit union are not insured by the National Credit Union Administration (NCUA) and are not issued, guaranteed, or underwritten by the Credit Union or the NCUA or any other federal government agency. There is no requirement or obligation to purchase insurance from the Credit Union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The Credit Union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

Bellwether offers other vehicle loans as well

Are you looking for another type of vehicle loan? Bellwether offers a full array of loans, helping you purchase a variety of vehicles beyond cars and trucks. Apply for vehicle loans including:

Learn more about other vehicle loans available from Bellwether Community Credit Union.




You may be able to save money on your auto loan by refinancing with Bellwether! Click here for more information.




Sometimes your monthly income just doesn't stretch far enough to cover everything, and other times you just need some extra cash to cover an unexpected expense. Maybe you need a little time off with your spouse, away from the daily grind and household responsibilities. Perhaps your kids have finally worn you down enough to get you to buy that new game system. Wouldn't it be nice if you could skip that car, boat, RV, or personal loan payment just for a month so you could make everybody happy?

At Bellwether Community Credit Union, we understand life gets crazy, and adulting is hard. You work hard, and you do the responsible thing all the time, and it's not always fun. That's why we've developed a program called Skip-a-Pay, which lets people take a break from their loan payments and catch their breath.




Have a question about NH auto loans? Browse our vehicle loan FAQs below.

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

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

You can potentially lower your interest rate if you are an active Loyalty Rewards Checking member.

Many variables will help determine your auto loan, including the cost of the car, your credit score, the length of your auto loan, interest rates, your down payment, and whether you're getting a new or used car.

Yes, you can refinance your New Hampshire auto loan and we are happy to help you move your loan over to Bellwether Community Credit Union. Learn more.

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