What auto rate does Bellco publish?

Bellco advertises auto loan rates as low as 5.74% APR for well-qualified borrowers, applicable to loans originated in Colorado.

Is there a current refinance promotion?

For a limited time, Bellco is offering no payments for 90 days on loans refinanced from another lender.

Who is eligible to join Bellco?

You're eligible if you live or work in one of 19 specific Colorado counties, have a family member who is a Bellco member, work for a Bellco Select Employee Group company, or join the Bellco Foundation.

All lenders

Best for: Colorado residents refinancing an auto loan from another lender

Bellco Credit Union

Bellco Credit Union — auto rates starting at 5.74% APR with a limited-time 90-day payment deferral on external refinances.

Min credit

Not disclosed

APR

From 5.74%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

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

Overview

Bellco Credit Union refinances auto loans currently held with other lenders. As of October 2026, the credit union publishes an auto rate starting at 5.74% APR for well-qualified borrowers, applicable to loans originated in Colorado.…

What’s great

Published starting rate of 5.74% APR for auto loans
Limited-time 90-day no-payment offer on external refinances
Multiple paths to membership, including joining the Bellco Foundation from outside Colorado

What to know

Only an 'as low as' starting rate is published, with no disclosed maximum APR
The stated starting APR only applies to auto loans originated in Colorado

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 5.74% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Not disclosed
States served	Not disclosed
Membership requirement	Open to those who live or work in 19 specific Colorado counties, have an eligible family member, work for a Bellco Select Employee Group, or join the Bellco Foundation.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Bellco Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Bellco Credit Union before applying.

[1]Get Affordable Colorado Auto Loan Rates — Bellco Credit Union
https://www.bellco.org/personal/consumer-lending/auto-loans/
Last checked: October 2026
[2]Rates & Calculators — Bellco Credit Union
https://www.bellco.org/rates/
Last checked: October 2026
[3]Membership Eligibility — Bellco Credit Union
https://www.bellco.org/open-an-account/become-a-member/
Last checked: October 2026