BORROW SAVE & SPEND PROTECT ACCESS EXPLORE JOIN Locations Support Rates Calculators LOG IN Search Open Menu Username Password LOG IN Register Forgot Username or Password BORROW SAVE & SPEND PROTECT ACCESS EXPLORE JOIN SEARCH Vehicle Loan Rates Hit the road toward big savings. The journey starts here. APPLY NOW Home Rates Vehicle Loan Rates Explore pages within Vehicle Loan Rates Explore pages within Vehicle Loan Rates Explore pages within Vehicle Loan Rates Get in gear with a better vehicle loan Looking for a new or used vehicle? Start planning your next trip with the money you'll save when you get a Black Hills FCU Vehicle Loan. We provide financing for everything from cars, trucks and RVs to ATVs, boats and snowmobiles. Applying is easy. Just click the button at the top of the page and fill out the forms. New and Nearly New Car Loan Rates 2022, 2021, 2020, and 2019 model years Take 90 days to make your first payment! Book a new auto loan through December 31, 2021, to take advantage of this great opportunity or learn more here.1 Pre-approval, online applications, and Dealer Direct financing available. NADA Guides Term Platinum APR 760 and over Premier Plus APR 720-759 Premier APR 680-719 Standard APR 640-679 Value APR 600-639 Rebuilder APR 599 and under 24 Months 1.99% 2.58% 3.33% 4.83% 7.23% 11.23% 36 Months 2.60% 3.19% 3.94% 5.44% 7.84% 11.84% 48 Months 2.65% 3.24% 3.99% 5.49% 7.89% 11.89% 60 Months 2.75% 3.34% 4.09% 5.59% 7.99% 11.99% 66 Months 3.00% 3.59% 4.34% 5.84% 8.24% 12.24% 72 Months 3.00% 3.59% 4.34% 5.84% 8.24% 12.24% 78 Months 3.64% 3.99% 4.74% 6.24% 8.64% 12.64% 84 Months** 3.99% 4.34% 5.09% 6.59% 8.99% 12.99% **Minimum amount financed $25,000 Used Car Loan Rates Lower Payment Option Loan Rates Classic Car Loan Rates RV and Boat Loan Rates RV and Boat Balloon Payment Snowmobile, ATV & Personal Watercraft Loan Rates Motorcycle Loan Rates Rates effective as of November 1, 2021 and subject to change without notice. (APR = Annual Percentage Rate) Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application! Loan Payment Example: At 2.75% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $17.86 per $1,000.00 borrowed. 190-Day No Payment Special only available on new and used purchases; Maximum auto loan amount of $50,000. No balloon payments, LPO loans or Classic Car loans. Offer applies to new purchases or new money to BHFCU. Interest will accrue during the 90-day payment deferral period. Offer valid through December 31, 2021. All loans subject to credit approval, some restrictions apply. *Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428 or ask your Black Hills Area auto dealer. Note: Vehicles with over 125,000 miles have a maximum term of 36 months. Vehicles with over 200,000 miles have a maximum term of 24 months. Some terms subject to minimum amount financed. A 1% reduction in the Value and Rebuilder interest rates on automobile, recreational vehicle, personal, mobile home, and home equity loans will be given to those members who have successfully completed the Credit When Credit is Due course. This discount does not apply to line of credit loans or credit cards. What's Happening? Read the latest headlines here. View all News & Events Previous 11.08.21 COMMUNITY, NEWS & EVENTS BHFCU Mortgage Lender Inducted into Statewide Hall of Fame READ FULL ARTICLE 11.01.21 PLAN & SAVE 6 Easy Ways to Improve Your Financial Health READ FULL ARTICLE 10.01.21 STAY SAFE 5 Steps to Better Manage Your Digital Footprint READ FULL ARTICLE Next WE'RE HERE TO HELP. Call us: 605.718.1818 QUICK LINKS Become a member Scam/Fraud Prevention Mobile Deposit Download Mobile App: Find a branch or ATM Careers Properties for Sale SIGN UP FOR EMAILS Routing number: 291479592 BHFCU mortgage NMLS ID# 405873 Privacy & Security Disclosures Accessibility Cookies Settings Sitemap Black Hills Federal Credit Union offers the best service and rates on auto loans, mortgages, business loans and more. Bank at a South Dakota credit union branch near you: Rapid City, Custer, Eagle Butte, Hot Springs, Pierre, Sioux Falls, Spearfish, Sturgis and Wall. Your savings are federally insured for at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. © 2021 Black Hills Federal Credit Union. All rights reserved. Facebook Twitter LinkedIn Instagram