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Benchmark auto loans feature low rates and flexible terms to fit any auto financing or refinancing needs. 

Key Features

Competitive Rates

Competitive Rates

Up to 125% Financing

Up to 125% Financing

Free Pre-Approval

Free Pre-Approval

Refinancing Available

Refinancing Available

  • Competitive fixed and variable auto loan 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 auto 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

Fixed Rate Auto 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 0.25% off of qualified loan rate 

Variable Rate Auto 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 never titled or recently titled within the past six months and being financed to pay off another lender.

Benchmark Auto Loan 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)
  • Concordville Nissan Subaru
  • Courtesy Chrysler Jeep
  • Del Automotive, Inc (Thorndale)
  • Devon Nissan
  • Don Wallence Auto Sales
  • Exton Nissan
  • Faulkner Pontiac, Buick, GMC (West Chester)
  • Fred Beans Ford (West Chester)
  • Hershey Motors (Parkesburg)
  • HG Motorcar
  • Infiniti of West Chester & Ardmore
  • 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)
  • Premier Motor Group (Spring City)
  • Scott Honda (West Chester)
  • Sloan Ford Exton
  • Sloane Toyota Malvern
  • Springfield Hyundai
  • Videon Chrysler/Dodge (Newtown Square)
  • Anthony D'Ambrosio Chrysler Jeep Dodge Ram


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.

Guaranteed Asset Protection (GAP)

Protect your vehicle purchase with Guaranteed Asset Protection (GAP). GAP will help protect your loan balance should your vehicle be totaled or stolen, and not recovered and your insurance company does not pay your loan in full. To protect your vehicle with GAP, there is a one-time fee of $350, which includes the GAP Advantage Benefit of $1,000 to be used toward a replacement vehicle, if your vehicle is a total loss, and you purchase a new vehicle within 90 days that is financed with Benchmark Federal Credit Union. Auto Deductible Reimbursement (ADR) is also included with the purchase of GAP. ADR will reimburse up to $500 per loss for three years. All vehicles, the primary borrower owns and insures, are also included in the coverage (some restrictions apply).

A Low Payment Alternative to Leasing!

How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing? Sound impossible? It's not. Benchmark's DrivingSense Program (lease alternative) offers you just that! 

Like a lease, the DrivingSense Program offers payments that are considerably lower than conventional financing. But unlike a lease, with the DrivingSense Program you own the vehicle and have all of the flexibility and benefits of vehicle ownership! Other benefits of the DrivingSense Program include:

  • 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 penalty
  • 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!

To find out more about our DrivingSense Program, call or stop by any Benchmark Branch today, or visit our DrivingSense website to see for yourself how low your auto loan monthly payment can be!

Benchmark’s Debt Protection Program is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements do help ease the enrollment process.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment