The experienced consumer loan team at BrightBridge Credit Union and BrightBridge Credit Union, a division of BrightBridge Credit Union, are here to help you make the best auto financing decision on your next purchase or refinance, no matter how big or small. Compare our rates and then apply online for fast approval.
| Auto Loans | |||
| Effective Date: Sunday, January 11th, 2026 | |||
| Loan Type | APR* as low as | Loan Term in Months | Monthly Payment per $1,000 |
Model Years 2026 - 2021 |
4.74% | Up to 36 | $29.91 |
| 4.99% | 37 to 48 | $23.08 | |
| 4.99% | 49 to 66 | $17.39 | |
| 5.49% | 67 to 75 | $15.82 | |
| 5.49% | 76 to 87 | 13.99 | |
| * APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. | |||
| Financing for vehicles of all model years is available. For more information, contact our Member Support Team (800) 356-0067, visit one of our branches or apply for your loan online. | |||
*APR is based on $10,000 financed, except for 76-87 month term Auto which is based on the $35,000 minimum loan amount. APR and term are determined by the evaluation of applicant's credit history and the actual rate and/or term may vary. We use risk-based pricing to determine the interest rate and/or term (see below).
What is Risk-Based Pricing?
Risk-based pricing is a system that evaluates the risk factors of your loan application and credit profile and adjusts the interest rate and/or term up or down based on this risk evaluation.
What Factors Can Affect My Loan Pricing?
We will obtain a credit report that shows the amount of debt you have outstanding and how you have historically paid on your debt. The credit report will also contain a "credit score" that ranks your credit history. Credit scores look at five main kinds of credit information, namely: payment history; amount owed; length of credit history; new credit; and types of credit in use. Generally, if you have had any history of nonpayment or late payments on any loans or debt, this may lower your credit score and increase your interest rate and costs. People with high credit scores consistently pay their debts on time, keep balances low on credit cards and other revolving loans, and apply for and open new credit accounts as needed.
