Benefits of a Best Reward New or Used Vehicle Loan
Best Reward is here to guide you through the auto loan process and make sure you get the best rates and terms to buy your vehicle of choice. Get an auto loan today and start shopping for your next car!
Low, Fixed Rates
And Best Reward does not charge hundreds of dollars in application fees!
Get an auto loan you can afford with up to 84 months to repay.
Our loan officers and auto buying center make buying a car a breeze.
You will have financing that fits your needs before you walk into the dealer.
New Vehicle Loans
Enjoy our lowest rates when you buy a new or near-new vehicle.
Used Vehicle Loans
Get financing for a wide range of older vehicles to match your lifestyle.
Vehicle Loan Details
A Best Reward auto loan is a convenient way to buy a new or used car that suits your needs and budget.
You can even apply and close the loan on your smartphone while at the dealership.
Get low-interest rate financing for new and used cars.
Choose a term up to 84 months for an affordable monthly payment.
Up to 100% financing – no down payment needed.
Skip two payments a year.
Get discounts on car insurance.
Use our auto buying center for a smooth car-buying experience.
Dedicated loan officers and convenient online services can save you time and help you get the best vehicle for your money.
In addition to the benefits above, enjoy free online account access anytime.
Best Reward Auto Loan Rates
APR* (as low as)
Vehicles (2023 to 2022)
Vehicles (2016 & Older)
Vehicle Loan Calculator
See your estimated monthly payments based on current rates. Click here to try it now.
"This is by far, the best Credit Union in every banking category👍🤗." – Loonie T.
"Great people! Great rates for car loans!" – Jonathan B.
"People there have always been friendly and competent." – Lowell.
Best Reward New Vehicle Loans and Used Vehicle Loans FAQ
What vehicles can I buy with a vehicle loan?
Whatever vehicle you can afford. Once you are pre-approved for your new or used auto loan, you can shop anywhere you like in person or online.
Rates for used and older vehicles tend to be higher than for newer vehicles.
How much can I borrow for a vehicle loan?
The amount you can borrow is determined by your credit score and income. If this is the first time you have taken out a loan, you may need to borrow a smaller amount. You'll be able to borrow more after you've successfully paid off your loan.
What rates will I get for my vehicle loan?
The annual percentage rate (APR) you get is based on your credit score, the manufacturer’s sticker price of a new vehicle, the NADA value of a used vehicle, and the amount of the loan relative to the vehicle value. Higher credit scores and lower loan to value amounts get lower rates. You can find out exactly what APR you'll get for your score when you are pre-approved for your new auto loan or used auto loan.
When comparing auto loans, make sure to compare the loan amount, loan repayment term, monthly payment and APR and not just interest rates because the APR shows the true cost of borrowing, including fees.
How long will I have to pay back my vehicle loan?
You can choose a loan term up to 84 months. For higher-value cars, you might be able to negotiate a longer term.
Shorter terms mean lower rates but a higher monthly payment. Longer terms mean higher rates but you can get a more affordable monthly car payment to suit your budget.
Do I need to be a Best Reward member to apply for a vehicle loan?
Membership is available to persons who live, worship, work (or regularly conduct business in), or attend school in, and businesses and other legal entities located in these Ohio counties:
In addition membership eligibility is extended to a members immediate family or household (spouse, child, sibling, parent, grandparent or grandchild, including stepparents, stepchildren, step siblings, and adoptive relationships) as well as spouses of persons who died while within the field of membership of this credit union; employees of this credit union; volunteers in the community; members of their immediate family or household; and organizations of such persons.*
How do I establish membership at Best Reward?
Once you’ve determined your eligibility, all you need to do to become a Best Reward member is fill out our easy online application. Once you’re approved, getting started is as easy as opening a Regular Share Savings account with us, and maintaining a $5.00 minimum balance.
Simply maintaining this low balance means you are eligible to take advantage of all of the Best Reward products and services that we offer to our valued members! Membership is for life for you and your family, and doesn’t change if you move away, get a new job, or retire.
What documents will I be required to submit to apply for Best Reward membership?
In order to apply, you’ll need to provide certain proof of identification in the form of primary and secondary documentation.
You may be required to provide additional documentation.