Vehicle Loan Promotion:

Steer Into Savings!

Finance or refinance your 2022 and newer vehicle, and get $100 to spend where you need it most!

  • $100 VISA Gift Card

  • No Payments Up to 60 Days

  • 84-Month Terms

  • Matching Rates as Low as 4.99% APR (annual percentage rate)

Terms & Conditions: The specific rate and term will depend on credit rating, collateral value, amount financed, and relationship with BFCU. To qualify for this promotion, the minimum loan amount is $15,000. The vehicle must be a 2022 or newer model. Terms up to 84 months. Loan terms and rates advertised are subject to change. 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*. The 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 till the first payment due date. To verify competitors’ approved interest rates and terms, members 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 June 30, 2025. For current BFCU rates, members may visit www.borderfcu.com. No cash value. All loans are subject to BFCU lending policies and subject to credit approval.

Vehicle and Recreational Vehicle Rates

Effective june 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.