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.

2019, 2018 and 2017 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 3.49% 3.74% 4.49% 5.59% 7.99% 11.99%
36 Months 3.84% 4.09% 4.84% 5.94% 8.34% 12.34%
48 Months 3.89% 4.14% 4.89% 5.99% 8.39% 12.39%
60 Months 3.99% 4.24% 4.99% 6.09% 8.49% 12.49%
66 Months 4.24% 4.49% 5.24% 6.34% 8.74% 12.74%
72 Months 4.24% 4.49% 5.24% 6.34% 8.74% 12.74%
78 Months 4.64% 4.89% 5.64% 6.74% 9.14% 13.14%
84 Months** 4.99% 5.24% 5.99% 7.09% 9.49% 13.49%

**New Only. 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 3.99% 4.24% 4.99% 6.09% 8.49% 12.49%
36 Months 4.09% 4.34% 5.09% 6.19% 8.59% 12.59%
48 Months 4.14% 4.39% 5.14% 6.24% 8.64% 12.64%
60 Months 4.18% 4.43% 5.18% 6.28% 8.68% 12.68%
66 Months 4.39% 4.64% 5.39% 6.49% 8.89% 12.89%
72 Months 4.49% 4.74% 5.49% 6.59% 8.99% 12.99%
78 Months 4.89% 5.14% 5.89% 6.99% 9.39% 13.39%

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 4.24% 4.49% 5.24% 6.34% 8.74% 12.74%
36 Months 4.39% 4.64% 5.39% 6.49% 8.89% 12.89%
48 Months 4.44% 4.69% 5.44% 6.54% 8.94% 12.94%
60 Months 4.54% 4.79% 5.54% 6.64% 9.04% 13.04%
66 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
48 Months 6.48% 6.73% 7.48% 8.58% 10.98% 14.98%

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 4.84% 5.09% 5.84% 6.94% 9.34% 13.34%
48 Months 4.89% 5.14% 5.89% 6.99% 9.39% 13.39%
60 Months 4.99% 5.24% 5.99% 7.09% 9.49% 13.49%
72 Months 5.24% 5.49% 6.24% 7.34% 9.74% 13.74%

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 5.09% 5.34% 6.09% 7.19% 9.59% 13.59%
48 Months 5.14% 5.39% 6.14% 7.24% 9.64% 13.64%
60 Months 5.18% 5.43% 6.18% 7.28% 9.68% 13.68%
72 Months 5.49% 5.74% 6.49% 7.59% 9.99% 13.99%

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 7.39% 7.64% 8.39% 9.49% 11.89% 15.89%
MOTORHOMES  |  CAMPERS  |  TRAVEL TRAILERS  |  5th WHEELS  |  AIRCRAFT  |  BOATS
.50% APR Loan Rate Discount, 90 Days to First Payment and $100 Visa Gift Card*

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%
*Loan Rate Discount applies to new BHFCU loans on motorhomes, campers, travel trailers, 5th wheels, aircraft and boats, and will be
reduced from member’s qualifying rate. May not be used on current BHFCU loans or internal refinancing. 90 Days to First Payment
does not apply to Balloon Payments or loans with balances greater than $40,000. Loan amount must be over $10,000 and still held at
BHFCU 90 days after loan opening to receive $100 Visa Gift Card. Offer valid through April 30, 2019. Offer subject to credit approval.
Some restrictions apply. Call 605-718-1818 or 800-482-2428 for details.
MOTORHOMES  |  CAMPERS  |  TRAVEL TRAILERS  |  5th WHEELS  |  AIRCRAFT  |  BOATS
.50% APR Loan Rate Discount and $100 Visa Gift Card*

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%
Loan Rate Discount applies to new BHFCU loans on motorhomes, campers, travel trailers, 5th wheels, aircraft and boats, and will be
reduced from member’s qualifying rate. May not be used on current BHFCU loans or internal refinancing. 90 Days to First Payment
does not apply to Balloon Payments or loans with balances greater than $40,000. Loan amount must be over $10,000 and still held at
BHFCU 90 days after loan opening to receive $100 Visa Gift Card. Offer valid through April 30, 2019. Offer subject to credit approval.
Some restrictions apply. Call 605-718-1818 or 800-482-2428 for details.

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%

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 March 1, 2019, 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 125,000 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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