What APR can I expect from BECU?

Refinance APR runs 5.89%–18.00% (effective 9/1/2026). The lowest rate requires a 60-month-or-shorter term, vehicles two years or newer, and 90% LTV or less.

BECU does not charge application fees or prepayment penalties.

Is there a mileage limit?

Yes — collateral mileage cannot exceed 150,000 miles.

All lenders

Best for: Members willing to keep terms up to 60 months on a recent-model vehicle to capture the lowest APR

BECU

BECU — published 5.89%–18.00% APR range with no application or prepayment fees.

Min credit

Not disclosed

APR

5.89%–18.00%

Max vehicle age

Not disclosed

Max mileage

150k mi

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"Not disclosed" means BECU does not publish this on their public site. "No restriction" means BECU explicitly states no limit.

Overview

BECU's auto refinance product publishes a full APR range of 5.89%–18.00% effective 9/1/2026. The lowest advertised rate requires a 60-month-or-shorter term, a vehicle two years old or newer, and a loan-to-value of 90% or less.…

What’s great

Published 5.89%–18.00% standard APR range, effective 9/1/2026
No application fees, no prepayment penalties
Loan Reprice Program can lower your rate when credit improves
150,000-mile collateral cap is generous for a bank-grade lender

What to know

Lowest APR requires up to 60-month term, vehicles up to 2 years old, and up to 90% LTV
BECU membership required
FICO floor is not numerically published

Eligibility

Minimum credit score	Not disclosed
APR range	5.89% – 18.00% (Standard APR 5.89%–18.00% (effective 9/1/2026). Lowest rate requires a up to 60-month term, vehicles 2 years old or newer, and up to 90% LTV)
Maximum vehicle age	Not disclosed
Maximum mileage	150,000 miles
Loan amount range	Not disclosed
Term length	Not disclosed
States served	No restriction
Membership requirement	BECU membership required (open nationally; the application page begins by joining BECU)

FAQ