The Bay Federal Credit Union is a auto loan from Bay Federal Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is Rates effective 06/01/2026 by credit score (up to 48 / 66 / 72 / 84 months): 750+ 5.24% / 5.49% / 5.99% / 6.24%; 700-749 5.74% / 5.99% / 6.49% / 6.74%; 650-699 6.49% / 6.74% / 7.24% / 7.49%; 610-649 7.99% / 8.24% / 8.74% / 8.99%; <610 9.49% / 9.74% / 10.24%. Lowest rate available: Auto 4.74%. Typical credit limit: Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. Loan terms: Up to 48 months, 66 months, 72 months (financing of $15,000 or more), 84 months (financing of $20,000 or more).