Bethpage Federal Credit Union

Bethpage Federal Credit Union is the largest credit union in New York state, serving more than 400,000 members. Unlike many other credit unions, Bethpage auto loans are available to all US citizens.

Bethpage Federal Credit Union
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    How do Bethpage Federal Credit Union auto loans work?

    Once you’re signed up as a member, you’ll have access to interest rates on auto loans as low as 2.84% on new cars and 3.09% on used cars.

    Bethpage doesn’t disclose what the upper limits on interest rates are, but generally, the poorer your credit score, the higher the rate of interest you’ll pay.

    Flexible repayment terms are available up to 84 months.

    Credit score

    Bethpage doesn’t disclose its credit score requirements.

    It does, however, welcome applications from those with bad credit.

    A number of other criteria will be used to assess your ability to repay the loan.

    How Much Can You Borrow?

    You may borrow up to 115% of the market value of the car you wish to purchase.

    What types of vehicles are eligible for financing?

    You can finance most types of non-commercial automobiles.

    However, you’ll have to contact Bethpage directly to find out what’s specifically covered.

    They may also refer you to a number of partner dealerships.

    How do I qualify?

    You’ll need to be a member of the Bethpage Credit Union to access the auto loan options.

    Membership is open to all US citizens. You’ll also need to open a Bethpage savings account and deposit $5 in order to be able to apply for an auto loan.

    What documents do I need?

    You’ll need a valid passport, and driver’s license or state ID.

    You’ll also need to provide your social security number and date of birth.

    What are the fees?

    Bethpage doesn’t charge any early repayment fees, but it isn’t completely clear on any other fees it might charge.

    enerally, credit unions tend to charge no fees at all, but you should confirm this before taking out your loan.

    How long does the loan process take?

    This will depend on how long you take to send your documents to Bethpage.

    You can go to one of the branches to drop off your documents, however, physical branches are only in Long Island, New York.

    If you live out of state, your application could take longer.

    How to apply for an auto loan?

    The online application process usually only takes 15 minutes.

    Once approved, you’ll need to provide all the relevant documentation.

    You can also apply in-branch.

    What payment methods are supported?

    You have five repayment options available:

    1. Auto-payments taken monthly from your bank account
    2. One-time online payments via the website
    3. In branch with cash
    4. Over the phone
    5. Send in a check by post

    Pros and Cons


    • Low interest rates available
    • Membership is open to all US citizens


    • There are no physical branches outside of New York State
    • Credit score requirements are not completely clear

    Is Bethpage Federal Credit Union right for you?

    While Bethpage is open for membership nationally, it is still a service very much geared to residents of both New York City and state.

    If you live elsewhere in the US, you might want to try another auto loan provider with better nationwide customer service coverage.

    Carvana has great customer service and can also offer some low rates.