Blue Flame Credit Union

Auto Loans

Blue Flame offers low rates on cars, trucks, motorcycles and hybrids. Whether you’re buying a vehicle or want to refinance a vehicle loan from another lender, Blue Flame can help you save! 

Car & Motorcycle Loans

  • NEW: up to 100%+ financing including tax, title and registration
  • USED: up to 100%+ financing of the J.D. Power — Clean Retail Value**
  • MEMBER-OWNED: Use your clear title as collateral for a cash loan

NC Car & Motorcycle Loan Rates

New Cars
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+
Effective May 1, 2026

*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.

Used Cars
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+
Effective May 1, 2026

*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.

New & Used Motorcycles
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+
Effective May 1, 2026

*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.

Pickup Truck & SUV Loans

Blue Flame offers up to 100%+ financing on 3/4 and 1-ton, new or used, gas or diesel pickup trucks, with extended terms up to 120 months!

  • NEW: up to100%+ financing including tax, title and registration
  • USED: up to 100%+ financing of the J.D. Power retail value**
  • MEMBER-OWNED: Use your clear title as collateral for a cash loan

Truck & SUV Auto Loan Rates

New & Used SUVs & Trucks
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+
Effective May 1, 2026

*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.

Get Pre-Approved or Refinance Your Auto Loan Today!

Have Questions or Need Help?

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