Get Pre-Approved for your next Auto Loan with us. Don’t wait until you are at the dealership to decide which is the best loan and best rate for you.
When you get pre-approved from the credit union with a new or used auto loan, you can work with the dealership to know you are getting the best rate of interest and the best Service Contract and GAP pricing. Once approved, we’ll send you a loan preapproval letter with all the information the dealership will need. Don’t get forced into a bad deal; come to the credit union first!
All loan rates shown below are quoted as Annual Percentage Rates (abbreviated APR). All consumer loans are calculated on a simple interest basis and carry no pre-payment penalties or pre-paid interest charges. Optional credit life and credit disability insurance is available to most borrowers on all types of loans through CUNA MUTUAL INSURANCE. Loan rates are published showing qualifying ranges by loan types. Your Annual Percentage Rate is determined by your individual credit rating score that is obtained from a credit reporting agency. Your interest rate, term and payment amount will be determined when we process your loan application. Rates and terms are subject to change without notice.
|Loan Type||Maximum Term||APR Ranges (%)*|
|New or Used Automobiles up to 3 years old 2020-2023 ( Take a courtesy credit of 0.25% if financed less than 36 months)||Up to 48 Months||As low as 6.00%|
|–||60 Months||As low as 6.50%|
|–||72 Months||As low as 7.05%|
|*Vehicles over $50,000||84 Months||As low as 7.65%|
|Used Vehicles older than 3 years||48 Months||As low as 6.25%|
|–||54 Months||As low as 6.75%|
|–||60 Months||As low as 7.35%|
|NEW!||72 Months||As low as 7.95%|
|(Mileage over 85,000, add .50% to rate Maximum financing terms < 150,000|
|New Boats, Motors and Trailers||Up to 72 Months||As low as 7.50%|
|*New Units >$65k||Up to 96 Months||As low as 7.95%|
|Used Boats, Motors and Trailers||Up to 60 Months||As low as 8.50%|
|Up to 72 Months||As low as 8.75%|
|*Used units >$65k||Up to 84 Months||As low as 9.00%|
|Farm Equipment & Trailers||Up to 60 Months||As low as 8.50%|
|Motorcycles||Up to 36 Months||As low as 9.00%|
|37 – 60 Months||As low as 9.50%|
|New 4-Wheelers, Mules and Golf Carts||Up to 60 Months||As low as 8.00%|
|Used 4-Wheelers, less than 3 years||Up to 36 Months||As low as 8.50%|
|CashNOW Pal||12 Months||28% APR + $20.00 Fee|
|Personal Loans||Up to 60 Months||14.00% – 18.00% APR|
|Back on Track Loans||Up to 60 Months||6.75% – 8.75% APR|
|Share or Certificate Secured Loan||Term Varies||4.00% APR|
Note: Not all borrowers may receive the lowest rate. Rates are subject to change at any time without Notice. Some conditions apply. Brazos Star Credit Union also offers competitive pricing on Vehicle GAP and Warranty Service products.
Year, make and mileage of a new or used vehicle are a factor in in the loan rate offered to approved borrowers. A down payment may be required on certain loan arrangements.
Brazos Star now offers a loan payment portal to make loan payments easily and securely called REPAY. REPAY is used to set up recurring or single pay ACH or Debit card payment options for our borrowers. REPAY is a no-cost loan repayment program when used exclusively with the recurring ACH payment option. This option utilizes a valid Routing and Transit Number and an active account number from another financial institution. A convenience fee of $ 8.95 will be assessed when used as a one-time payment with another financial institution’s DEBIT CARD.
CashNOW loans are now available up to $2,000.00. The application fee for a CashNOW loan is $20.00. This amount may not be included in the loan amount. Term maximum on a CashNOW loan is 12 months and the maximum loan amount is $2000.00.
The credit union may offer other rates or promotions in the future. Special promotional or refinancing rates do not apply to loans already financed at the credit union. Rates and terms are subject to change at any time. Brazos Star Credit Union offers closed-end, simple interest loans for fixed terms and VISA© branded credit card lines of credit for qualified borrowers.
Brazos Star Credit Union is an Equal Housing Lender. MEMBER NCUA
These rates are effective as of 7/03/2023. Rates are subject to change at any time. *APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.