Bayport Credit Union: A Smarter Way to Bank
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BayportCU

Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Vehicle Loans

We provide flexible vehicle loan options with competitive rates and various terms that fit your lifestyle needs and budget. Start enjoying more out of life with a BayPort vehicle loan that saves you time and money.

  • Overview
  • Rates
  • Added Protection

Auto Loans

Get an auto loan with a great low rate through us, and use our resources to comparison shop for the perfect car, truck or SUV. This is a big purchase, and we will help you at every turn so you can enjoy your journey on the open road!

RV, Boat and Motorcycle Loans

We work with you to create a loan solution for your RV, boat and motorcycle purchases by providing flexible terms and financing up to the full cost of your new or used toy. Enjoy more out of life and turn to BayPort for the sensible loan options that fit your needs.

  • 100% financing available on RVs, boats and motorcycles based on value and age
  • Finance motorcycles for up to 84 months
  • Finance RVs and boats for up to 120 months
  • Convenient repayment options available

If you’re ready to apply for a loan, start today. If you need to do some more research, use the helpful links throughout this page. And if you have any questions, please contact us. We are committed to providing valuable information and auto loan options to our members in the Tidewater and Hampton Roads, Virginia, area.

Certain restrictions apply.

New/Used Vehicles/Motorcycles up to 6 years old
Rates Effective: October 15, 2014
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to
12-480.0055 - 0.04651.99%*16.99%*
49-600.0060 - 0.04822.19%*17.59%*
61-660.0063 - 0.04932.29%*17.99%*
67-750.0071 - 0.04932.59%*17.99%*
76-840.0150 - 0.04935.49%*17.99%*
Used Vehicles/Motorcycles over 6 years old
Rates Effective: October 15, 2014
Approx. Term (Months)Daily Periodic Rate (%) APR as low asAPR up to
12-480.0082 - 0.04932.99%*17.99%*
49-600.0087 - 0.05093.19%*18.59%*
61-660.0090 - 0.05203.29%*18.99%*
67-750.0098 - 0.05203.59%*18.99%*
76-840.0178 - 0.05206.49%*18.99%*
New/Used Recreational Vehicles
Rates Effective: October 15, 2014
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to
12-480.0123 - 0.04794.50%*17.49%*
49-600.0123 - 0.04794.50%*17.49%*
61-680.0130 - 0.05274.75%*19.25%*
67-720.0144 - 0.05275.25%*19.25%*
73-840.0233 - 0.05278.50%*19.25%*
85-1200.0260 - 0.05279.50%*19.25%*
New/Used Motor Homes
Rates Effective: October 15, 2014
Approx. Term (Months)Daily Periodic Rate (%)APR as low asAPR up to
12-480.0123 - 0.04794.50%*17.49%*
49-600.0123 - 0.04794.50%*17.49%*
61-660.0130 - 0.05274.75%*19.25%*
67-720.0144 - 0.05275.25%*19.25%*
73-840.0233 - 0.05278.50%*19.25%*
85-1200.0260 - 0.05279.50%*19.25%*
New/Used Boats
Rates Effective: October 15, 2014
Approx. Term (Months)Daily Periodic Rate (%) APR as low asAPR up to
12-480.0123 - 0.04794.50%*17.49%*
49-600.0123 - 0.04794.50%*17.49%*
61-660.0130 - 0.05274.75%*19.25%*
67-720.0144 - 0.05275.25%*19.25%*
73-840.0233 - 0.05278.50%*19.25%*
85-1200.0260 - 0.05279.50%*19.25%*
Fees
Penalty Fees
Late Payment Fee 5.00% of any unpaid portion of your loan payment amount
Return Payment Fee $29.00 If your payment is returned to us, you will be charges $29.00 for each returned payment

The rates shown include all Member Relationship Discounts APRs.

*Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness, your Member Relationship with the credit union, the age of vehicle, and whether or not it is an existing BayPort loan. Please ask us for the rate that you qualify for. All terms may not be available.

Guaranteed Asset Protection (GAP)

When it comes to protecting your investments, we have your best interest at heart. Assisting you with financing the vehicle of your dreams is only the beginning. GAP provides you with additional protection for when you need it most.

If your vehicle is ever stolen or damaged beyond repair, your insurance company calculates and pays you the cash value of your car. Oftentimes, their calculations may be less than the amount you owe. Without GAP, you are still liable for the remainder of the balance. GAP eliminates this by covering the “gap” your insurance company pays and the amount you still owe. 

  • GAP covers the remainder of your loan up to $50,000.00 including insurance deductibles up to $1,000.00.
  • You will receive $1,000.00 to put toward the purchase of a replacement vehicle financed through BayPort Credit Union.
  • Protection available for the term of your loan up to 84 months.
  • GAP costs only $299.00 and can either be paid up front or included in your loan.

Extended Warranty

BayPort Credit Union realizes that finding the right kind of warranty for your vehicle is a complicated and sometimes confusing experience. That's why we now offer Route 66 Extended Warranties that are considerably less expensive than other plans.

  • Flexibility: By providing your vehicle identification number and mileage, Route 66 automatically selects the best plan for you based on cost and coverage term. Open enrollment allows you to purchase at any time.
  • Affordability: Most coverage with Route 66 will be priced between $1,100.00 and $1,500.00 (with the exception of surcharged vehicles).
  • Convenience: The plan can be used at any licensed repair facility in the US and Canada.
  • Extra Benefits: In addition to covering your repairs, Route 66 offers rental reimbursement, towing reimbursement, 24 hour toll free roadside assistance, and total loss refund. Electronics coverage is available for an additional cost.

BayPort Loan Protection

Have you ever thought about how you would meet your loan obligations if you lost your job, suffered a disability, or worse, a death? Put your mind at ease with BayPort’s Loan Protection. Our program is a voluntary loan-payment protection plan that can cancel your payments or even your entire balance owed while preserving your family’s standard of living during a time of need.

Visit our FAQs to learn more about BayPort Loan Protection.

If you’re ready to apply for a loan or add additional protection to your existing loan, please contact us. We are committed to providing valuable information and auto loan options to our members in the Tidewater and Hampton Roads, Virginia, area.