Auto Loans
Auto Loans

Get behind the wheel of the right ride and rate for you. As a not-for-profit credit union, our focus isn't on profits; it's on you. We work hard to secure the competitively low rates and the customized terms that you deserve.

Before you even think about negotiating that "deal," be sure to drop by a Benchmark branch first. We offer quick and easy pre-approvals, so you can sign that paperwork with confidence. Plus, our local process will get you off the lot and on the open road in no time!

Estimate your payments.

  • Competitively low, fixed and variable rates on new or used vehicles
  • Up to 125% financing available for qualified buyers
  • A wide range of terms customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership (good for 30 days)
  • Refinance your current vehicle to potentially lower your rate (vehicle must be originally financed through another institution)
  • Set up payroll deduction or automatic payment from a Benchmark account to receive a 0.25% rate discount
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Additional Coverage

Add peace of mind by covering your property. Take advantage of membership rate discounts on auto and home insurance via Liberty Mutual Insurance®. Learn more about Liberty Mutual Insurance.

View our current rates.

Auto Buying Resources

When it comes to meeting your needs, that doesn't only apply to financing terms and rates. We're also dedicated to providing the educational tools necessary for you to make confident, knowledgeable decisions when it comes to some of life's largest purchases.

Benchmark Financing Available @ Local Dealerships

We have partnered with local dealership to offer BFCU financing directly at these dealerships - learn more about AutoSmart (CUDL):

  • Audi West Chester
  • BMW of Devon
  • Car Sense (Uwchland/Hatfield, PA)
  • Courtesy Chrysler Jeep
  • Del Automotive, Inc (Thorndale)
  • Devon Nissan
  • Exton Nissan
  • Faulkner Pontiac, Buick, GMC (West Chester)
  • Fred Beans Ford (West Chester)
  • Hershey Motors (Parkesburg)
  • HG Motorcar
  • Infiniti of West Chester & Ardmore
  • Jeff D'Ambrosio Imports, Inc (Downingtown)
  • John Kennedy Ford (Phoenixville)
  • Kelly Chevrolet (Phoenixville)
  • Keyser & Miller Ford
  • Landmark Auto Sales (West Chester)
  • Lexus of Chester Springs
  • Mercedes Benz of West Chester
  • Nissan 422 of Limerick
  • Paul Sevag Motors West Chester
  • Piazza Mazda (West Chester)
  • Reedman Toll Chevrolet (Exton)
  • Roberts Chevrolet (Downingtown)
  • Scott Honda (West Chester)
  • Sloan Ford Exton
  • Sloane Toyota Malvern
  • Springfield Hyundai
  • Videon Chrysler/Dodge (Newtown Square)


Ensure you're getting the right value on your new vehicle. NADA offers a thorough baseline, so you can make sure you're paying what you should be. Learn more about NADA.

Enterprise Pre-Owned Vehicles

Enterprise offers a large inventory of used vehicles with specialty pricing. If you're in the market for a great deal, the Enterprise website might just be a great place to discover the right vehicle for you. Learn more about Enterprise.

Route 66 Extended Warranty

Route 66 Extended Warranty protects your investment from expensive mechanical breakdowns and offers additional benefits such as 24/7/365 Roadside Service, rental car benefits, nationwide coverage and much more. Learn more about Route 66 Extended Warranty

Financing Options

DrivingSense (Lease Alternative) Loans

  • New and pre-owned vehicles up to five (5) years old qualify
  • Flexible loan terms of up to 72 months
  • No down payment required
  • Annual mileage options of 12,000, 15,000, & 18,000 available
  • No security deposit or acquisition fees
  • No early payoff penality
  • Since the title is in YOUR name, you have more options prior to loan maturity and at loan maturity. Including the ability to turn your vehicle in and walk away at the end of the loan term.
  • Refinance your current vehicle loan to reduce your monthly payments with the Benchmark FCU DrivingSense Program.
  • Enables you to easily upgrade and/or change your vehicle every couple of years!

Fixed Rate Loans

  • Up to 125% financing for qualified borrowers
  • Terms up to 84 months on new vehicles for loan amounts $25,000 and over*
  • Terms up to 72 months for new vehicles for loan amounts $15,000 and over*
  • Terms up to 60 months for all other new* vehicles
  • Minimum loan amount on used vehicles is $5,000
  • Terms up to 72 months on used vehicles up to 4 years old for loan amounts $18,000 and over
  • Terms up to 60 months on all other used vehicles
  • Make your payment via payroll deduction or automatic payment from a Benchmark Savings or Checking Account with direct deposit and receive .25% off of qualified loan rate

Variable Loans

  • Up to 125% financing for qualified borrowers
  • Finance a new or used vehicles*
  • The rate is variable, which means it will rise or fall along with the Prime Rate. However, it cannot be adjusted more than 2% from the original rate
  • The monthly payments will remain fixed for the life of the loan. Therefore, the term may be extended or shortened depending on the rise or fall of the interest rate.
  • Terms and minimum amounts are the same as fixed rate auto loans

Title Loans

  • Up to 125% financing for qualified borrowers
  • Minimum loan amount is $2,500
  • Use your "clear" title as collateral for a loan and take advantage of our low rate.
  • Funds can be used for whatever your needs are
  • Terms up to 72 months on loan amounts $18,000 and over on vehicles up to 4 years old
  • Terms up to 60 months on all other vehicles

Motor Homes

  • Up to 125% financing for qualified borrowers
  • Minimum loan amount $2,500
  • Finance both new and used Motor Homes & Travel Trailers
  • Terms up to 120 months for amounts financed over $30,000
  • Terms up to 84 months for amounts financed $21,001 to $30,000
  • Terms up to 72 months for amounts financed $20,000 and less
  • Maximum $1,000 deductible on Comprehensive and Collision Insurance
  • Full year insurance coverage required

*A new vehicle is considered to be the current calendar year and up to 2 years old.

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