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BECU auto loan rates

3.9/5 our editorial rating

Washington credit union offering new, used and refinance auto loans to members.

Who can join: Anyone who lives, works, worships or attends school in Washington, residents of select Oregon and Idaho counties, and members of partner associations.

From APR
5.89%
Best advertised rate

This is the lowest APR BECU advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
Up to 84
Months

Pick a repayment term of up to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's BECU rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.89% Compare →
Used car 60 mo 6.19% Compare →

Pros

  • Terms up to 84 months
  • Financing available at participating dealerships
  • Optional loan payment protection

Cons

  • Membership limited to Washington and select Oregon and Idaho counties
  • Rates vary by ZIP code region
  • No separate refinance rate published

How we rate lenders

Our 3.9/5 rating for BECU is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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