BCU (Baxter Credit Union)
BCU — refinance rates starting at 3.84% APR with no fee for vehicle refinances.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means BCU (Baxter Credit Union) does not publish this on their public site. "No restriction" means BCU (Baxter Credit Union) explicitly states no limit.
Overview
BCU refinances auto loans from other lenders, with rates published as low as 3.84% APR for up to 36 months on new cars as of October 2026. The vehicle being financed must be no older than 13 model years and have fewer than 150,000 miles.…
What’s great
- Rates published as low as 3.84% APR for new cars
- No fee for vehicle refinances
- Terms up to 84 months for brand new vehicles
What to know
- Vehicles over 13 model years or with 150,000+ miles are not eligible
- Full APR ceiling is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 3.84% — minimum only; full range not published |
| Maximum vehicle age | 13 years |
| Maximum mileage | 150,000 miles |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Open through employer or association partnerships, community charter counties in Illinois, Wisconsin, or Puerto Rico, qualifying family relationships, or the Life. Money. You. program. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from BCU (Baxter Credit Union)'s own published materials. Rates, eligibility, and terms can change — verify directly with BCU (Baxter Credit Union) before applying.
- [1]Refinancing Your Car — BCUhttps://www.bcu.org/loans/auto-loans/refinancing-your-carLast checked: October 2026
- [2]Auto Loans - Finance or refinance your car loan (FAQs) — BCUhttps://www.bcu.org/loans/auto-loansLast checked: October 2026
- [3]Membership Eligibility — BCUhttps://www.bcu.org/join/member-eligibilityLast checked: October 2026