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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 Cars & Motorcycles
Term as low as APR* Min. Amount**
48 months 4.49% $7,501+
60 months 5.49% $10,001+
72 months 6.49% $20,001+
84 months 7.49% $30,001+
Effective Feb 13, 2023
*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.

Used Cars & Motorcycles
Term as low as APR* Amount**
48 months 5.99% $7,501+
60 months 6.99% $10,001+
72 months 7.99% $20,001+
84 months 8.99% $30,001+
Effective Feb 13, 2023
*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.

Private Party Used Cars & Motorcycles
Term as low as APR* Amount**
36 months 5.99% $5,001+
72 months 6.99% $20,001+
84 months 7.99% $30,001+
Effective Jan 4, 2023
*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 3/4 & 1-Ton Pickup Trucks
Term as low as APR* Min. Amount**
96 months 5.49% $60,001+
108 months 6.49% $70,001+
120 months 7.49% $80,001+
Effective Feb 13, 2023
*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. Minimum required finance amount must exceed amount listed. Shorter terms available with lower minimum finance amount.

Used 3/4 & 1-Ton Pickup Trucks
Term APR* Min. Amount**
96 months 6.99% $60,001+
108 months 7.99% $70,001+
120 Months 8.99% $80,001+
Effective Feb 13, 2023
*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.

Natural Gas & Electric Vehicles
Term as low as APR* Min. Amount**
New 84 months 4.49% Any
Used 84 months 5.99% Any
Effective Feb 13, 2023
*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 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**
New 60 months 5.49% $30,001+
Used 60 months 6.99% $30,001+
Effective Feb 13, 2023
*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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    Recreational vehicle loans with rates as low as NEW 4.99 APR* | USED 5.99 APR*
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  • Main Branch
    2000 Continental Blvd.
    Charlotte, NC 28273
  • Mailing address
    2000 Continental Blvd.
    Charlotte, NC 28273
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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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