Refinance your auto loan at Blue Flame Credit Union and we’ll trim down your rate — as low as 3.99% APR!* Terms up to 120 months available!^ Customize your loan for a lower monthly payment AND serious savings on interest over the life of the loan.
| Credit Rating: EXCELLENT | APR* | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|
| Current Loan | 7.49% | $1,380 | $25,920 | $115,920 |
| Blue Flame Refinance | 5.49% | $1,293 | $18,602 | $108,602 |
| Save $87/month | Save $7,318 Total | |||
| Credit Rating: FAIR | APR* | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|
| Current Loan | 14.00% | $843 | $25,837 | $70,837 |
| Blue Flame Refinance | 8.99% | $724 | $15,798 | $60,798 |
| Save $119/month | Save $10,039 Total | |||
Cut your rate in half for easy monthly payments on motorcycles, RVs, off-road toys, trailers, and more!*
Boats excluded from refinance offer.
This special offer is for anyone who lives, works, worships or attends school in Mecklenburg County, NC, as well as employees and retirees of Duke Energy!
| Term | as low as APR* | Min. Amount** |
|---|---|---|
| 36 Months | 3.99% | $5,001+ |
| 48 Months | 4.49% | $7,501+ |
| 60 Months | 4.69% | $10,001+ |
| 72 Months | 4.99% | $20,001+ |
| 84 Months | 5.49% | $30,001+ |
| 96 Months | 5.99% | $40,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Shorter terms available with lower minimum finance amount. To qualify for new car loan rates, vehicle must have less than 5k miles and less than 90 days in service.
| Term | as low as APR* | Min. Amount** |
|---|---|---|
| 36 Months | 4.99% | $5,001 |
| 48 Months | 5.29% | $7,501+ |
| 60 Months | 5.59% | $10,001+ |
| 72 Months | 5.99% | $20,001+ |
| 84 Months | 6.49% | $30,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| New Trucks & SUVs – up to 120 Months | 5.99% | $50,001+ |
| Used Trucks & SUVs – up to 96 Months | 6.49% | $40,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Minimum required finance amount must exceed amount listed. Shorter terms with lower minimum finance amounts follow our New or Used Car Loan rates.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 36 Months | 5.99% | $5,001+ |
| 48 Months | 6.29% | $7,501+ |
| 60 Months | 6.49% | $10,001+ |
| 72 Months | 6.79% | $20,001+ |
| 84 Months | 7.09% | $30,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 48 Months | 6.99% | $5,001+ |
| 60 Months | 7.49% | $10,001+ |
| 72 Months | 7.99% | $20,001+ |
| 84 Months | 8.99% | $30,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 48 Months | 5.99% | $5,001+ |
| 60 Months | 6.19% | $10,001+ |
| 72 Months | 6.39% | $20,001+ |
| 84 Months | 6.89% | $30,001+ |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Founded in1954, Blue Flame Credit Union is not-for-profit, providing fair-priced financial services to Mecklenburg County and the Duke Energy community. As a member of our credit union, you are a shareholder and an owner for life. Any proceeds are returned to members through lower fees and better rates.
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