Get on the road with a great auto loan
Shift into your next vehicle with Black Hills Federal Credit Union, your trusted South Dakota, Montana, and Wyoming 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 Auto Loan option
- Explore some of the best auto loan rates in South Dakota, Montana, and Wyoming
- Financing options on new and used cars, trucks and SUVs
- Pre-approval process helps you determine what you can afford (use our Auto Loans Calculator, too)
- Our Dealer Direct Financing Program allows you to enjoy BHFCU's low interest South Dakota at your favorite dealership
- Pay monthly via Mobile Banking, Online Banking and Phone Banking.
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
Mobile Banking
With Mobile Banking, you can manage your account anywhere with your smartphone or tablet.
Vehicle Loan Rates
Vehicle Payment Calculator
Auto Loan Rates
| Term | Rates (APR) as low as* |
|---|---|
| 24 Months | 4.74% |
| 36 Months | 5.10% |
| 48 Months | 5.24% |
| 60 Months | 5.24% |
| 72 Months | 5.49% |
| 84 Months** | 5.74% |
1 0.50% Rate Discount applies to Auto and Recreational Vehicle purchase loans. The discount does not apply to refinance loans. Subject to credit approval. Additional restrictions apply. Terms and conditions subject to change without notice. Offer valid through September 30, 2026. BHFCU employees are not eligible for the rate discount. Please contact us at 605.718.1818 for more details.
2 90 Days to First Payment Special applies to Auto Loans and Recreational Vehicle Loans, with terms up to 84 months. The special does not apply to loans with balances greater than $60,000. Loan must be a purchase or refinance from another lender. Interest on 90-day no-pay loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. Subject to credit approval. Additional restrictions apply. Terms and conditions subject to change without notice. Offer valid through September 30, 2026. Please contact us at 605.718.1818 for more details.
3 Rate stated as Annual Percentage Rate (APR). Stated rate is our lowest rate available on new or used vehicle loans, including Rate Discount. Rate may vary depending on credit history and collateral. Other rates and terms available. Terms and conditions subject to change without notice
Rates effective as of June 1, 2026 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 5.33% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $19.03 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 South Dakota, Wyoming or Montana auto dealer.
**Minimum amount financed $25,000
Note: Vehicles with over 150,000 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.