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Belco's Online Banking

New car? No problem! Let the professionals at Belco Community Credit Union help you secure the financing you need to be successful.

Our new auto loans come equipped with great rates and flexible terms, but that’s not all. Community-focused, personal service paired with incredible banking options make it a no-brainer to borrow, and bank, with us.

New auto loans from Belco offer features such as:

  • Zero Down Payments: Put zero down and still come out on top with Belco’s commitment to 0% down payments.
  • Great Financing: Get up to 130% of the purchase price, plus all tax and tags!
  • Flexible Payment Plans: With terms up to 84 months (7 years), you’ll always find the right monthly payment for your lifestyle.
  • Amazing Discounts: Get up to 0.25% of your current rate by choosing automatic payment withdrawals from a qualified Belco account.
  • Convenient Payment Methods: Get a host of online and electronic services with any new auto loan.

Apply Now

New Auto Loan Rates

Check out current APRs and terms of new auto loans below. Note that certain term lengths are only applicable if auto loan principles are on or below a certain amount. See our vehicle rates page for more auto term guidelines.

New Auto / Motorcycle Loans (2019 and Newer)*
Term Lengths APR*
12 Months 1.99%
24 Months 1.99%
36 Months 2.74%
48 Months 2.99%
60 Months 2.99%
72 Months 3.24%
80 Months 3.74%

New Auto Loan Calculator

Get better deals, determine refinance savings, and identify monthly loan payments with the convenience of our auto loan financial calculators.

New Auto Loan FAQs

How do I apply for a new auto loan?

Credit union members can apply for their new auto loans online, over the phone, or in-person at one of our local branches.

Is my credit score high enough to qualify for a new auto loan?

Credit scores are only one factor of a much larger loan vetting process. For information regarding subprime credit scores and new auto loan eligibility, please call the member services department at (717) 232-3526.

How does the new auto loan pre-approval process work?

Once members have submitted their necessary auto loan information, our team gets right to work evaluating finished applications. Replies will be given within 3 to 5 business days. Please call (717) 232-3526 for more information.

Get Your New Auto Loan Today

Let us help you strike out on the open road with a new auto loan that complements your sense of adventure. Ready to get started?

Apply Now

*APR=Annual Percentage Rate. Rates quoted include a .25% deduction for automatic payment from a Belco account and LTV up to 100%. Rate may differ depending upon credit worthiness, LTV, loan amount, and term of the loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 5,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.

Please be aware of fraudulent text messages targeting Belco members. THESE MESSAGES ARE NOT FROM BELCO COMMUNITY CREDIT UNION. If you receive a message asking you to respond to an action that you did not initiate, DO NOT click on the link. Delete the message and block the number.