Get on the road to great auto loan rates

Shift into your next vehicle with the Black Hills Federal Credit Union, your trusted South Dakota auto loans lender. Our team of lending experts in Rapid City, Sioux Falls, Sturgis and beyond are ready to help you every step of the way.

BHFCU offers a better Car Loan option

Pay BHFCU loans from an External Account

  • Make loan payments from savings and checking accounts at other financial institutions
  • Set up one-time and recurring payments in Online Banking and in our Mobile App
  • No minimum payment required
  • Free, same day payments (Scheduled before 1:00 p.m. MST)
  • Contact BHFCU if you have an existing Prearranged Payment

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Apply for a car loan online, give us a call, or visit one of our Rapid City, Custer, Eagle Butte, Hot Springs, Pierre, Sioux Falls, Spearfish, Sturgis and Wall, SD locations.

New and Nearly New Car Loan Rates

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 2.19% 2.44% 3.19% 4.19% 6.69% 10.69%
36 Months 2.59% 2.84% 3.59% 4.59% 7.09% 11.09%
48 Months 2.64% 2.89% 3.64% 4.64% 7.14% 11.14%
60 Months 2.74% 2.99% 3.74% 4.74% 7.24% 11.24%
66 Months 2.99% 3.24% 3.99% 4.99% 7.49% 11.49%
72 Months 2.99% 3.24% 3.99% 4.99% 7.49% 11.49%
78 Months 3.39% 3.64% 4.39% 5.39% 7.89% 11.89%
84 Months** 3.74% 3.99% 4.74% 5.74% 8.24% 12.24%
See All Vehicle Rates

Your journeys are more enjoyable when you know you have the right insurance behind you.

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