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Vehicle Loans

Blue Flame offers low rates on cars, trucks, motorcycles and hybrids.

Car & Motorcycle Loans

  • NEW: up to 100%+ financing including tax, title and registration
  • USED: up to 100%+ financing of the N.A.D.A. retail valueOpens in New Window**
  • MEMBER-OWNED: Use your clear title as collateral for a cash loan

New/Used Cars & Motorcycles
Term as low as APR* Min. Amount**
36 months 1.99% $5,000+
48 months 1.99% $7,500+
60 months 1.99% $10,000+
72 months 2.99% $20,000+
84 months 3.99% $30,000+
Effective Apr 1, 2022
*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 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 N.A.D.A. retail valueOpens in New Window**
  • MEMBER-OWNED: Use your clear title as collateral for a cash loan

New/Used 3/4 & 1-Ton Pickup Trucks
Term as low as APR* Min. Amount**
60 months 1.99% $10,000+
72 Months 2.99% $20,000+
84 months 3.99% $30,000+
96 months 4.99% $50,000+
108 months 5.99% $60,000+
120 months 6.99% $70,000+
Effective Apr 1, 2022
*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. Minimum required finance amount must exceed amount listed. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

Eco-Friendly Vehicles

In an effort to encourage members to make environmentally-friendly vehicle purchases, Blue Flame Credit Union offers loan options and savings for new and used Natural Gas Vehicles, Hybrid Vehicles, and EPA Qualified Conversion Systems.

New/Used Natural Gas & Electric Vehicles
Term as low as APR* Min. Amount**
72 months 1.99% $20,000+
84 months 2.99% $30,000+
Effective Dec 1, 2021
*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. Minimum required finance amount must exceed amount listed. Vehicles older than 10 model years are financed up to 90% LTV. 

Loans are also available for Home Filling Stations at 3.99% APR*. The EPA has created a Green Vehicle GuideOpens in New Window website to help you choose the most fuel-efficient vehicle that meets your needs.

Home Filling Station / EPA Qualified Conversion System
Term as low as APR* Min. Amount**
60 months 1.99% $7,500+
72 months 3.99% $10,000+
84 months 4.99% $20,000+
120 months 5.99% $30,000+
Effective Dec 1, 2021
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle, terms of loan.  **Finance amount based on individual credit. Shorter terms for lower minimum finance amount available.

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  • Buying a Car
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    Academic Scholarships
    BFCU 2022-23 Scholarships through Carolina's Credit Union Foundation are now open!
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    Unbeatable Auto Loans
    Have a high interest RV/Auto loan? Score with BFCU and go for a discount.
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  • Father and Son
    Home Equity Line of Credit
    Need some extra money? See how our Home Equity Line of Credit Loan can help you!
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    Young Member Accounts
    It's never too early to start saving! Help your child start their financial future today!
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    FREE Checking Accounts
    What's better than FREE Checking Accounts? Nothing! Apply and get yours today.
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  • Family RV
    Adventure Awaits
    Recreational vehicle loans with rates as low as NEW 2.99 APR* | USED 3.99 APR*
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  • Main Branch
    4301 Yancey Road
    Charlotte, NC 28217
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  • Mailing address
    P.O. Box 12400
    Charlotte, NC 28220
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  • Routing #253074951
    BFCU NMLS #410635
    Member First Mortgage NMLS #149532
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Helping you, our member, achieve financial success!
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