Effective July 14 - August 31, 2025.

Let Us Match or Beat Your Rate!

4.99% APR* Matching Rate Vehicle Loan Promotion

Looking for ways to lower your monthly expenses? Refinancing your auto loan could have a significant impact on your budget, and Border FCU is here to help! We’ll match rates as low as 4.99% APR on 2022 or newer vehicles with terms up to 84 months — plus, you can delay your first payment for up to 60 days. Even if your current rate isn’t that low, let’s talk! We may be able to offer you a better deal than you currently have!

Start your application today by clicking “Apply Now” below and find out how much you could save.

  • Terms and Conditions

      • The specific rate and term will be dependent on credit rating, collateral value, amount financed and relationship with BFCU.
      • Minimum loan is $15,000 to qualify for this promotion.
      • Vehicle must be a 2022 or newer model.
      • Terms up to 84 months
      • All taxes and other fees are the responsibility of the member.
      • Discounts for direct deposit and multiple services with BFCU may be applied as low as 4.99% APR*
      • Cost of the title transfer when refinancing from another lender will be absorbed by BFCU, up to $28 per vehicle loan.
      • Up to 60 days until first payment due date.
      • To verify competitors approved interest rate and terms, member must provide a copy of the current loan contract, or approved loan letter.
      • Current BFCU vehicle loans do not qualify for the refinance loan promotion.
      • This offer may not be combined with any other BFCU loan promotion.
      • Promotion ends August 31, 2025
      • For current BFCU rates members may visit www.borderfcu.com.
      • No cash value.
      • Loan terms and rates are subject to change.
      • All loans are subject to BFCU lending policies and subject to credit approval.
      *Annual Percentage Rate

Vehicle and Recreational Vehicle Rates

Effective july 1, 2025

 

New/Used Vehicle

  • New Vehicle

    Model Year Term APR*
    2024 and 2025 36 - 84 Months 5.74% - 16.50%

  • Used Vehicle

    Model Year Term APR*
    2023 and Newer 36 - 84 Months 6.74% - 16.75%
    2016 - 2022 36 - 72 Months 7.74% - 17.50%

  • Terms and Conditions - Vehicle Loans

      • The specific rate and term will be dependent on credit rating, collateral value, amount financed and relationship with BFCU.
      • Loan terms and rates are subject to change.
      • All taxes and other fees are the responsibility of the member.
      • Discounts for direct multiple services (0.25% APR*) and direct deposit with automatic payments (.50% APR*) with BFCU may be applied as low as the rate indicated under each term tier above.
      • To verify competitors approved interest rate and terms, member must provide a copy of the current loan contract, or approved loan letter.
      • All loans are subject to BFCU lending policies and subject to credit approval.

New/Used Recreational Vehicle

  • New Recreational Vehicle

    Model Year Term APR*
    2024 - 2025 36 - 84 Months 9.50% - 16.50%

  • Used Recreational Vehicle

    Model Year Term APR*
    2016 - 2023 36 - 84 Months 10.50% - 17.75%

  • Terms and Conditions - Recreational Vehicle Loans

      If financing through Border Federal Credit Union:
      • Applicant must be a member or become a member of Border Federal Credit Union
      • Applicant must be employed in the same line of work no less than two (2) consecutive years under a full-time employment status to be considered for this loan
      • If self-employed, the primary proof of income required is applicant’s previous two (2) years tax returns
      • Completed loan application and verification of income required to process loan request
      • Borrower’s income must be sufficient to fulfill all outstanding debt. Must meet Border FCU’s credit obligation guidelines. All loan requests by members are subject to credit union lending guidelines
      • Loan interest rate discounts available for direct deposit; automatic loan payments and other credit union services
      • Minimum loan amount for used recreational vehicles is $3,000
      • Available loan terms of up to 84 months
      All loans are subject to BFCU lending policies and subject to credit approval.

Disclosures

The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and relationship with Border FCU.

*APR = Annual Percentage Rate

ALLOWABLE DISCOUNTS

  • 0.50% discount may apply for Direct Deposit and Automatic Loan Payments with Border FCU.

  • 0.25% discount may apply if the borrower utilizes two additional Border FCU services (ie. VISA, Checking, Term Share Certificates, IRA's, Credit Life and Credit Disability, and other loans)

Values will be determined based on the NADA Guide.
100% financing available
Certain Restrictions Apply, Subject to Credit Approval

For Additional Information on our current rates, please call Border FCU (830) 774-2328 or U.S. Toll Free (800) 580-3503.