Second Chance Auto Loan

If your credit is less than perfect or you have no credit history, we understand how difficult it can be to get an auto loan. If you have endured some credit challenges in the past, don’t get trapped into a high-cost auto loan – we’ve got you covered!

The end of year is a perfect time to buy, thanks to year-end quotas, dealer incentives, and inventory clearance events. For a limited time (through December 31, 2026) finance or refinance your auto loan with Best Reward and enjoy an interest rate that will NOT exceed 8.50% APR*!

Want to Save Even More?

1. Earn a .25% Rate Discount for Automatic Payment Transfer from a Best Reward Account.
2. Earn a .25% Rate Discount for Direct Deposit of Your Payroll into a Best Reward Account.

• Easily Apply Online
• Quick Pre-Approvals
• Terms up to 84 Months
• Finance up to 105% LTV
• No Application Fees, Processing Fees, or Pre-Payment Penalties
• Easily and securely sign your loan documents from anywhere using email access.
• Credit Life, Credit Disability, and GAP Available at Member Discounted Prices

Visit us online or visit the branch of your choice to take your second chance today!

Apply Now    Shop Now   

APR = Annual Percentage Rate. This does not apply to loans currently financed with Best Reward FCU. Minimum credit score of 600 required. Titled collateral only with a maximum loan term of 84 months and a minimum loan amount of $10,000. Vehicles financed must be a model year 2023 or newer. Rates and terms are subject to change without notice. The fixed rate, terms, and conditions of each loan are determined by the borrower's credit qualifications and loan-to-value (LTV) of the collateral. Other rate discounts may apply. Lower credit grades and longer repayment terms result in a higher interest rate. Additional conditions and/or restrictions may apply. Expires December 31, 2026.