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.

2021, 2020, and 2019 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 1.99% 2.58% 3.33% 4.83% 7.23% 11.23%
36 Months 2.6% 3.19% 3.94% 5.44% 7.84% 11.84%
48 Months 2.65% 3.24% 3.99% 5.49% 7.89% 11.89%
60 Months 2.75% 3.34% 4.09% 5.59% 7.99% 11.99%
66 Months 3% 3.59% 4.34% 5.84% 8.24% 12.24%
72 Months 3% 3.59% 4.34% 5.84% 8.24% 12.24%
78 Months 3.64% 3.99% 4.74% 6.24% 8.64% 12.64%
84 Months** 3.99% 4.34% 5.09% 6.59% 8.99% 12.99%

**Minimum amount financed $25,000


 

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 3.14% 3.39% 4.14% 5.64% 8.04% 12.04%
36 Months 3.24% 3.49% 4.24% 5.74% 8.14% 12.14%
48 Months 3.29% 3.54% 4.29% 5.79% 8.19% 12.19%
60 Months 3.33% 3.58% 4.33% 5.83% 8.23% 12.23%
66 Months 3.54% 3.79% 4.54% 6.04% 8.44% 12.44%
72 Months 3.64% 3.89% 4.64% 6.14% 8.54% 12.54%
78 Months 4.04% 4.29% 5.04% 6.54% 8.94% 12.94%

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 3.84% 4.09% 4.84% 5.94% 8.34% 12.34%
36 Months 3.99% 4.24% 4.99% 6.09% 8.49% 12.49%
48 Months 4.04% 4.29% 5.04% 6.14% 8.54% 12.54%
60 Months 4.14% 4.39% 5.14% 6.24% 8.64% 12.64%
66 Months 4.64% 4.89% 5.64% 6.74% 9.14% 13.14%

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 6.08% 6.33% 7.08% 8.18% 10.58% 14.58%

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 3.6% 4.19% 4.94% 6.44% 8.84% 12.84%
48 Months 3.65% 4.24% 4.99% 6.49% 8.89% 12.89%
60 Months 3.75% 4.34% 5.09% 6.59% 8.99% 12.99%
72 Months 4% 4.59% 5.34% 6.84% 9.24% 13.24%

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 4.24% 4.49% 5.24% 6.74% 9.14% 13.14%
48 Months 4.29% 4.54% 5.29% 6.79% 9.19% 13.19%
60 Months 4.33% 4.58% 5.33% 6.83% 9.23% 13.23%
72 Months 4.64% 4.89% 5.64% 7.14% 9.54% 13.54%

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 5.5% 5.75% 6.5% 7.6% 10% 14%
MOTORHOMES  |  CAMPERS  |  TRAVEL TRAILERS  |  5th WHEELS  |  AIRCRAFT  |  BOATS

**90 Days to First Payment and 0.50% APR Loan Rate Discount good through March 31, 2021.
 

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 6.44% 6.69% 7.44% 8.54% 10.94% 14.94%
48 Months: 2,500 to $4,999 6.44% 6.69% 7.44% 8.54% 10.94% 14.94%
60 Months: $5,000 to $9,999 4.94% 5.19% 5.94% 7.04% 9.44% 13.44%
72 Months: $10,000 to $14,999 5.14% 5.39% 6.14% 7.24% 9.64% 13.64%
96 Months: $15,000 to $19,999 5.19% 5.44% 6.19% 7.29% 9.69% 13.69%
120 Months: $20,000 to $24,999 5.45% 5.7% 6.45% 7.55% 9.95% 13.95%
144 Months: $25,000 to $49,999 5.95% 6.2% 6.95% 8.05% 10.45% 14.45%
180 Months: $50,000 and over 6.7% 6.95% 7.7% 8.8% 11.2% 15.2%
MOTORHOMES  |  CAMPERS  |  TRAVEL TRAILERS  |  5th WHEELS  |  AIRCRAFT  |  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
60 Months (84) 5.94% 6.19% 6.94% 8.04% 10.44% 14.44%
60 Months (120) 5.94% 6.19% 6.94% 8.04% 10.44% 14.44%
60 Months (144) 5.94% 6.19% 6.94% 8.04% 10.44% 14.44%
60 Months (180) 5.94% 6.19% 6.94% 8.04% 10.44% 14.44%
**90 Days to First Payment and 0.50% APR Loan Rate Discount good through March 31, 2021.
 

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 4.04% 4.29% 5.04% 6.14% 8.54% 12.54%

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 4.54% 4.79% 5.54% 6.64% 9.04% 13.04%

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 5.04% 5.29% 6.04% 7.14% 9.54% 13.54%

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 4.19% 4.44% 5.19% 6.29% 8.69% 12.69%

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 4.79% 5.04% 5.79% 6.89% 9.29% 13.29%
**90 Days to First Payment and 0.50% APR Loan Rate Discount good through March 31, 2021.
 

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 5.7% 5.95% 6.7% 7.8% 10.2% 14.2%
48 Months 3.95% 4.2% 4.95% 6.05% 8.45% 12.45%
60 Months 3.95% 4.2% 4.95% 6.05% 8.45% 12.45%
72 Months 4.45% 4.7% 5.45% 6.55% 8.95% 12.95%
84 Months 4.95% 5.2% 5.95% 7.05% 9.45% 13.45%
Rates effective as of April 1, 2021 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 2.75% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $17.86 per $1,000.00 borrowed.

**90 Days to First Payment Special and Loan rate discount of .50% applies to new BHFCU loans and will be reduced from member’s qualifying rate. Discount applies to motorhomes, campers, travel trailers, 5th wheels, motorcycles, snowmobiles, ATVs, personal watercraft, aircraft & boats. The special does not apply to balloon payments, or loans with balances greater than $40,000. Interest will accrue during the 90-day payment deferral period. It may not be used on current BHFCU loans or internal refinancing. Offer valid through March 31st, 2021. Offer subject to credit approval. Some restrictions apply. Call or Text 605-718-1818 or 800-482-2428 for details.

*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: Vehicles with over 125,000 miles have a maximum term of 36 months.  Vehicles with over 200,000 miles have a maximum term of 24 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.

What's Happening?

Read the latest headlines here. View all News & Events