Get in gear with a better vehicle loan

Looking for a new or used vehicle? Start planning your next trip with the money you'll save when you get a Black Hills FCU Vehicle Loan. We provide financing for everything from cars, trucks and RVs to ATVs, boats and snowmobiles. Applying is easy. Just click the button at the top of the page and fill out the forms.

2017 and 2016 model years

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 2.35% 2.60% 3.35% 4.35% 6.85% 10.85%
48 Months 2.40% 2.65% 3.40% 4.40% 6.90% 10.90%
60 Months 2.50% 2.75% 3.50% 4.50% 7.00% 11.00%
66 Months 2.75% 3.00% 3.75% 4.75% 7.25% 11.25%
72 Months 2.75% 3.00% 3.75% 4.75% 7.25% 11.25%
78 Months 3.15% 3.40% 4.15% 5.15% 7.65% 11.65%
84 Months** 3.50% 3.75% 4.50% 5.50% 8.00% 12.00%

**New Only. Minimum amount financed $25,000

Apply Online

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 2.50% 2.75% 3.50% 4.50% 7.00% 11.00%
36 Months 2.60% 2.85% 3.60% 4.60% 7.10% 11.10%
48 Months 2.65% 2.90% 3.65% 4.65% 7.15% 11.15%
60 Months 2.69% 2.94% 3.69% 4.69% 7.19% 11.19%
66 Months 2.90% 3.15% 3.90% 4.90% 7.40% 11.40%
72 Months 3.00% 3.25% 4.00% 5.00% 7.50% 11.50%
78 Months 3.40% 3.65% 4.40% 5.40% 7.90% 11.90%
84 Months 3.75% 4.00% 4.75% 5.75% 8.25% 12.25%

Apply Online

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 2.50% 2.75% 3.50% 4.50% 7.00% 11.00%
36 Months 2.60% 2.85% 3.60% 4.60% 7.10% 11.10%
48 Months 2.65% 2.90% 3.65% 4.65% 7.15% 11.15%
60 Months 2.69% 2.94% 3.69% 4.69% 7.19% 11.19%
66 Months 2.90% 3.15% 3.90% 4.90% 7.40% 11.40%
72 Months 3.00% 3.25% 4.00% 5.00% 7.50% 11.50%
78 Months 3.40% 3.65% 4.40% 5.40% 7.90% 11.90%

Apply Online

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 2.50% 2.75% 3.50% 4.50% 7.00% 11.00%
36 Months 2.60% 2.85% 3.60% 4.60% 7.10% 11.10%
48 Months 2.65% 2.90% 3.65% 4.65% 7.15% 11.15%
60 Months 2.69% 2.94% 3.69% 4.69% 7.19% 11.19%
66 Months 3.15% 3.40% 4.15% 5.15% 7.65% 11.65%
72 Months 3.30% 3.55% 4.30% 5.30% 7.80% 11.80%

Apply Online

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 2.75% 3.00% 3.75% 4.75% 7.25% 11.25%
36 Months 2.90% 3.15% 3.90% 4.90% 8.40% 11.40%
48 Months 2.95% 3.20% 3.95% 4.95% 7.45% 11.45%
60 Months 3.05% 3.30% 4.05% 5.05% 7.55% 11.55%
66 Months 3.55% 3.80% 4.55% 5.55% 8.05% 12.05%

Apply Online

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
Up To 48 Months 3.99% 4.24% 4.99% 5.99% 8.49% 12.49%
60 Months 4.15% 4.40% 5.15% 6.15% 8.65% 12.65%

Apply Online

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
48 Months 4.99% 5.24% 5.99% 6.99% 9.49% 13.49%

Apply Online

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
36 Months 5.99% 6.24% 6.99% 7.99% 10.49% 14.49%

Apply Online

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
36 Months 3.35% 3.60% 4.35% 5.35% 7.85% 11.85%
48 Months 3.40% 3.65% 4.40% 5.40% 7.90% 11.90%
60 Months 3.50% 3.75% 4.50% 5.50% 8.00% 12.00%
72 Months 3.75% 4.00% 4.75% 5.75% 8.25% 12.25%

Apply Online

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
36 Months 3.60% 3.85% 4.60% 5.60% 8.10% 12.10%
48 Months 3.65% 3.90% 4.65% 5.65% 8.15% 12.15%
60 Months 3.69% 3.94% 4.69% 5.69% 8.19% 12.19%
72 Months 4.00% 4.25% 5.00% 6.00% 8.50% 12.50%

Apply Online

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
36 Months 3.60% 3.85% 4.60% 5.60% 8.10% 12.10%
48 Months 3.65% 3.90% 4.65% 5.65% 8.15% 12.15%
60 Months 3.69% 3.94% 4.69% 5.69% 8.19% 12.19%
72 Months 4.30% 4.55% 5.30% 6.30% 8.80% 12.80%

Apply Online

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
36 Months 3.90% 4.15% 4.90% 5.90% 8.40% 12.40%
48 Months 3.95% 4.20% 4.95% 5.95% 8.45% 12.45%
60 Months 4.05% 4.30% 5.05% 6.05% 18.55% 12.55%

Apply Online

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
60 Months 6.99% 7.24% 7.99% 8.99% 11.49% 15.49%

Apply Online

MOTORHOMES  |  CAMPERS  |  TRAVEL TRAILERS  |  5th WHEELS  |  AIRCRAFT  |  BOATS
RV 90 DAY NO PAY - Special applies to purchases only and is not available on balloon loans or loans with balances greater than $40,000. Offer valid through June 30, 2017.

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
36 Months: Up to $2,499 5.49% 5.74% 6.49% 7.49% 9.99% 13.99%
48 Months: 2,500 to $4,999 5.49% 5.74% 6.49% 7.49% 9.99% 13.99%
60 Months: $5,000 to $9,999 3.99% 4.24% 4.99% 5.99% 8.49% 12.49%
72 Months: $10,000 to $14,999 4.19% 4.44% 5.19% 6.19% 8.69% 12.69%
96 Months: $15,000 to $19,999 4.24% 4.49% 5.24% 6.24% 8.74% 12.74%
120 Months: $20,000 to $24,999 4.50% 4.75% 5.50% 6.50% 9.00% 13.00%
144 Months: $25,000 to $49,999 5.00% 5.25% 6.00% 7.00% 9.50% 13.50%
180 Months: $50,000 and over 5.75% 6.00% 6.75% 7.75% 10.25% 14.25%

Apply Online

Motorhomes, campers, travel trailers, 5th wheels, aircrafts and boats

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
$5,000 to $9,999
60 Months (84) 4.99% 5.24% 5.99% 6.99% 9.49% 13.49%
$10,000 to $14,999
60 Months (120) 4.99% 5.24% 5.99% 6.99% 9.49% 13.49%
$15,000 to $24,999
60 Months (144) 4.99% 5.24% 5.99% 6.99% 9.49% 13.49%
$25,000 & Over
60 Months (180) 4.99% 5.24% 5.99% 6.99% 9.49% 13.49%

Apply Online

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
48 Months 3.00% 3.25% 4.00% 5.00% 7.50% 11.50%

Apply Online

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
36 Months 3.50% 3.75% 4.50% 5.50% 8.00% 12.00%

Apply Online

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 4.00% 4.25% 5.00% 6.00% 8.50% 12.50%

Apply Online

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
60 Months 3.15% 3.40% 4.15% 5.15% 7.65% 11.65%

Apply Online

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
72 Months 3.75% 4.00% 4.75% 5.75% 8.25% 12.25%

Apply Online

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
$2,999 and under
24 Months 5.00% 5.25% 6.00% 7.00% 9.50% 13.50%
$3,000 to $4,999
48 Months 3.00% 3.25% 4.00% 5.00% 7.50% 11.50%
$5,000 to $9,999
60 Months 3.00% 3.25% 4.00% 5.00% 7.50% 11.50%
$10,000 to $19,999
72 Months 3.50% 3.75% 4.50% 5.50% 8.00% 12.00%
$20,000 & Over
84 Months 4.00% 4.25% 5.00% 6.00% 8.50% 12.50%
Apply Now
Rates effective as of May 1, 2017, and subject to change without notice. (APR = Annual Percentage Rate)

Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!

Loan Payment Example: At 5.49% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $19.10 per $1,000.00 borrowed.

*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428 or ask your Black Hills Area auto dealer.

Note: Any vehicles with over 110,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed.

A 1% reduction in the Value and Rebuilder interest rates on automobile, recreational vehicle, personal, mobile home, and home equity loans will be given to those members who have successfully completed the Credit When Credit is Due course. This discount does not apply to line of credit loans or credit cards.

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