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Due to COVID-19, there will be NO lobby access to our main office & satellite branches until further notice. Please use Shared Branching at Piedmont Advantage Credit Union with Drive-Thru, located on Boyer Street in Charlotte. Thank you for your understanding. Learn More
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Vehicle Loans

Blue Flame can lend you the money to travel by car, motorcycle, boat, 4-wheeler, even tractors and trailers. Our vehicle loans keep you moving.


A credit union fundamental is offering our members credit at a fair price. We have many vehicle options to help you get moving, all at low competitive rates, for the best deals in town.

Vehicle Loans

  • NEW: 100%+ Financing* available including purchase price, tax, title registration, etc.
  • USED: Finance 100%+* of the N.A.D.A. retail valueOpens in New Window.
  • MEMBER OWNED: Use your clear title as collateral
  • Term can extend up to 84 months with a minimum of $30,000 financed
  • Rates listed are as low as.
*Finance amount based on individual credit

New Autos & New Motorcycles
New Autos† APR* Max Term
up to 72 months 1.99% - 9.49% 72 months
73-84 months*** 2.99% - 10.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.

Used Autos & Used Motorcycles
Used Autos† APR* Max Term
up to 72 months 1.99% - 9.49% 72 months
73-84 months*** 2.99% - 10.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.

Pickup Trucks

Blue Flame offers 100%+* financing on 3/4 and 1 ton, new or used gas and diesel trucks.


  • NEW: 100%+ Financing* available including purchase price, tax, title registration, etc.
  • USED: Finance 100%+* of the N.A.D.A. retail valueOpens in New Window.
  • MEMBER OWNED: Use your clear title as collateral
  • Term can extend up to 120 months with a minimum of $70,000 financed
  • Rates listed are as low as.
*Finance amount based on individual credit

New Pickup Trucks
New Pickup Trucks† APR* Max Term
85-96 months** 3.99% - 6.49% 96 months
97-108 months*** 4.99% - 7.49% 108 months
109-120 months**** 5.99% - 8.49% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $50,000.
***Amount financed must exceed $60,000.
****Amount financed must exceed $70,000.

Used Pickup Trucks
Used Pickup Trucks† APR* Max Term
85-96 months** 3.99% 96 months
97-108 months*** 4.99% 108 months
109-120 months**** 5.99% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $50,000.
***Amount financed must exceed $60,000.
****Amount financed must exceed $70,000.




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.

In addition to loans for Natural Gas Vehicles, loans are available for Home Filling Stations at 6.99% 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.

*Finance amount based on individual credit

Natural Gas Vehicles
Natural Gas Vehicles† APR* MAX TERM
Home Filling Station 6.99% 60 months
EPA Qualified Conversion System 1.99% 84 months
Effective Jan 24, 2019
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.

New Natural Gas & Electric Vehicles
New Natural Gas & Electric Vehicles† APR* Max Term
Up to 72 months 1.99% - 7.49% 72 months
73-84 months** 2.99% - 8.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $20,000.

Used Natural Gas & Electric Vehicles
Used Natural Gas & Electric Vehicles† APR* Max Term
Up to 72 months 1.99% - 7.49% 72 months
73-84 months** 2.99% - 8.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $20,000.

Recreation Vehicles

Blue Flame offers 100%+* financing on boats, campers, four-wheelers, tractors, horse trailers, and other types of vehicle that put the fun in your recreational activities.

  • NEW: 100%+* Financing is available.
  • USED: 100%+* of the N.A.D.A. retail valueOpens in New Window.
  • Finance up to 120 months.
  • Maximum loan term determined by amount of loan.
  • Rates listed are as low as.
*Finance amount based on individual credit

New RVs
New RVs† APR* Max Term
Up to 72 months 2.99% - 11.49% 72 months
73-84 months** 3.99% - 9.49% 84 months
85-120 months*** 4.99% - 8.49% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.

Used RVs
Used RVs† APR* Max Term
Up to 72 months 2.99% - 11.49% 72 months
73-84 months** 3.99% - 9.49% 84 months
85-120 months*** 4.99% - 8.49% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.

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    Unbeatable Auto Loans
    Come right to your credit union for the best auto loan with rates as low as 1.99% - 9.49% APR*
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    Charlotte, NC 28220
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Helping you, our member, achieve financial success!
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