New & Used Auto Loans

Take the hassle out of buying a new or used vehicle by financing through Beach Municipal FCU. Secure a pre-approved loan at the Credit Union before you visit the dealership. Then shop with confidence knowing you’re getting a better rate with no hidden costs or add-ons! We offer low fixed rates for up to 84 months* on new and used cars, trucks and motorcycles, based on the model year of the vehicle. Already financed with another lender? Beach Municipal FCU offers the same great rates and terms to refinance your loan with us. Save money and bring your loan home to Beach Municipal FCU!

We can even reduce our already low rates up to an additional 1/2% if you have any two of the following:

  • Direct deposit of net pay
  • $5,000 or more in a Beach Municipal FCU Share Certificate
  • Payroll Payment, ACH Payment or Automatic Transfer
  • Online loan application
  • eAccounts

To protect your investment, Beach Municipal FCU offers a full range of loan protection products including  GAP Advantage, Mechanical Breakdown Protection and Credit Life and Disability protection.  GAP Advantage and MBP are offered at lower costs than many dealerships, giving you the same valuable protection for less money! While credit insurance is not required to obtain a loan, this protection can lessen the financial burden on your family by paying the insured balance of your loan or covering your payments if you pass away or become disabled. For full details, please contact our Loan Department.

Car shopping? Check out CUDL AutoSMART, our easy-to-use Internet tool.

The intelligent way to buy your next vehicle

The program allows you to “build” your perfect vehicle ~ new, used, make, model, features.   Then you can send your request to dealerships in our area. These dealerships will contact you within 24 hours with pricing and availability. 

Get pre-approved by us before you visit the dealer, and have even more negotiating power!

You can also use AutoSMART to do research, get trade-in values, warranty information, safety recall data, credit score assistance, tips and advice, and much more.

Click here or on the AutoSMART logo and get SMART about your next vehicle!

Use our payment calculator to estimate a payment or calculate a payment using the following example. *Vehicle loan example: Sample Loan Amount is $30,000, Sample Interest Rate is 3.85%, Sample Term is 84 months, Sample Monthly Payment is $409.00 per month. Sample Interest paid over the life of loan would be $4,263.17.