How about that new car smell without having to make a payment on it for 120 days? That's four whole months of enjoying your new ride and using the money to gas up for road trips instead! We want you to be happy, healthy, and financially wise for life. So, shop now… and pay next year! Smells pretty good, huh?
Credit Union Auto Loan
Auto financing for every vehicle.
New vehicles & motorcycles financed up to 100% of Manufacturer’s Suggested Retail Price.
Used vehicles financed up to retail determined by NADA’s guide. Financing terms up to 84 months.
Apply for an Auto Loan
Frequently Asked Questions
Will deferring my loan payment affect my credit?
No. However, it can extend the maturity date of your loan based on how many months are deferred since interest will begin accruing on the day you close your loan.
Is this only available on new vehicles?
No. You can receive no payments for 120 days on new and used vehicles not currently financed with BayPort Credit Union.
Can I begin my payments before 120 days?
Yes. You may begin your payments at any time. In fact, selecting to begin your payments earlier will result in interest savings.
Are there credit score requirements?
Yes. You must have a credit score of 695+ in order to qualify for no payments for 120 days.
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"I love this bank! They helped my husband, my son and myself build our credit. Great group of people..."
– Mel T., Gloucester, VA
Free Credit Union Benefits
Bonus perks for joining BayPort!
Try the Credit Score Simulator!
Need a break? Take one with Skip-A-Payment.
See the impact of opening new accounts and paying off debt before you take action! Credit Score shows you what affects your score, how you can save money, and how you can build or repair your credit.
With an eligible car loan from BayPort, you can press the pause button on your monthly payment up to two times every 12 months.* Plus, it won't hurt your credit report to put your mind (and wallet) at ease!
Limited Time No Car Payment Offer
Time is running out to control your future.
Don't miss this chance! Finance a new or used car with BayPort from September 1 – November 30, 2022, and make no payments for 120 days. Credit scores of 695 and above qualify. Does not include auto loans already financed at BayPort Credit Union. See you next year, car payments!
Join BayPort Credit Union
Apply for a car loan online.
It only takes a few minutes to submit an auto loan application, so you can spend more time getting ready to hit the open road.
Offer valid September 1 to November 30, 2022. Finance charges will begin accruing on the day the loan is funded. Credit scores of 695 and above qualify. Does not include loans already financed at BayPort Credit Union. Membership eligibility required.
*Monthly loan payment may be skipped up to two (2) times a year for loan terms up to 60 months. Eligible loans include secured consumer loans and personal installment loans. $30 processing fee per loan, per request, through Online Banking or the BayPort Mobile Banking app ($35 processing fee if requested through the Contact Center or a branch). Other restrictions apply.
This credit union is federally insured by the National Credit Union Administration.