Log In
Pay My BMFCU Loan
Join Now

Auto Loans in Fayetteville, NC and Southeastern North Carolina

Drive away with competitive rates, flexible terms, and local service you can count on. Whether you’re buying new, used, or refinancing, Bragg Mutual FCU is Fayetteville’s trusted partner for auto financing across Cumberland, Harnett, Hoke, and Moore counties.
Apply Now
View Rates
Smiling man with gray hair and beard sits in a car, hands on the wheel, wearing a light blue shirt.

New & Used Vehicle Financing in Fayetteville, NC

Your vehicle should fit your lifestyle—and your budget. Whether you’re planning a purchase or looking to refinance, Bragg Mutual makes the process simple, fast, and affordable.

Apply for pre-approval before heading to the dealership, or let them know you want to finance through Bragg Mutual FCU when you’re ready to sign. Already own your car? Ask us about refinancing options to potentially lower your monthly payment or interest rate.

Apply Now
View Rates

BMFCU Auto Loan Details:

  • Financing Available Up to 100% of Vehicle Value
  • Terms Up to 84 Months for New Vehicles
  • Terms Up to 72 Months for Used Vehicles
  • Optional Protection Plans Available, Including GAP & Mechanical Repair Coverage
Smiling woman in a car gives a thumbs-up out of the window. Bright daylight reflects on the vehicle, indicating a positive, cheerful mood.

Guaranteed Asset Protection (GAP)

GAP coverage helps protect your finances if your car is ever totaled or stolen and your loan balance is higher than your insurance payout.

It may reduce or even eliminate your remaining loan balance—and even help buy your next vehicle.

Submit GAP Inquiry

GAP Highlights:

  • Covers the "gap" between what you owe and what insurance pays
  • May reduce your loan balance by $1,000 toward your next vehicle
  • Deductible Assistance available for non-total-loss damage
  • Can be added to most Bragg Mutual auto loans

Exclusive GAP Plus

With GAP Plus at Bragg Mutual FCU, you can also receive Deductible Assistance, which applies your insurance deductible amount (up to the program limit) directly to your loan balance if your car is damaged but not totaled.

GAP Plus Inquiry
A mechanic in blue overalls inspects the underside of a white car lifted on a red hydraulic lift in a spacious, bright garage, evoking a sense of professionalism.

Mechanical Repair Coverage (MRC)

Unexpected repairs can hit hard, especially as your car gets older. MRC protects against costly repairs and helps keep your vehicle on the road without draining your budget.

Choose from multiple coverage levels and deductibles to match your needs.

Submit MRC Inquiry

Benefits on Covered Repairs:

  • Only Pay Your Chosen Deductible ($0, $100, $250, or $500)
  • Rental Reimbursement Up to $35/Day for Up to 5 Days (Up to 10 with Parts Delay)
  • 24/7 Emergency Roadside Assistance Up to $100/Occurrence
  • Travel Reimbursement Up to $200/Day for 1–5 Days (100+ Miles from Home)
  • Valid at Any Authorized Repair Facility in the U.S. or Canada
  • No Out-of-Pocket Costs Beyond Your Deductible—Plan Pays the Shop Directly
  • Transferable if Sold Privately (May Increase Resale Value)
  • Cancel for Full Refund Within 60 Days (If Unused)*
Two men shake hands in a bright car dealership showroom, surrounded by various shiny cars.

Car Buying Programs & Assistance

We make it easier to shop, finance, and drive away in the right vehicle. Whether it’s your first car or your fifth, Bragg Mutual offers services designed to simplify the entire process.

BMFCU Auto Buying Service

Take the guesswork out of the buying process. With pre-approval from Bragg Mutual, you’ll have confidence and clarity before you shop. Get fast approvals, low monthly payments, and the convenience of automatic payments from your Bragg Mutual account.

  • Up to 100% Financing
  • Affordable Rates & Terms
  • Pre-Approval in Minutes

First-Time Auto Buyer Program in North Carolina

Buying your first car? We make it easier to get started with low rates and flexible qualifications.

Even if you have limited credit history, we’ll work with you to get you into a reliable vehicle with terms you can afford.

First-Time Program Features:

  • Competitive Rates for First-Time Buyers
  • College Degrees May Count as Work Experience
  • Fast, Friendly Lending Support

Auto Loan FAQs

Can I get pre-approved for an auto loan before visiting a dealership?
Yes — and we strongly recommend it. Getting pre-approved through Bragg Mutual FCU before you visit a dealership means you’ll know exactly what rate you qualify for and what your monthly payment will be before you start negotiating. It puts you in a much stronger position and removes the pressure of dealership financing offers. You can apply online in minutes.
Yes. If you already have an auto loan with another lender and your rate is higher than it needs to be, Bragg Mutual FCU can refinance your loan — potentially lowering your monthly payment or reducing the total interest you pay over the life of the loan. Contact us to find out if refinancing makes sense for your situation.
Bragg Mutual FCU reviews each application individually and considers more than just your credit score — including your income, employment history, and overall financial picture. Members with limited or imperfect credit histories are still encouraged to apply, and our first-time auto buyer program is specifically designed to help members who are just starting to build credit.

Bragg Mutual FCU offers terms up to 84 months for new vehicles and up to 72 months for used vehicles. Longer terms mean lower monthly payments, though a shorter term will reduce the total interest paid over the life of the loan. Our team can help you find the right balance for your budget.

GAP — Guaranteed Asset Protection — covers the difference between what you owe on your loan and what your insurance pays out if your vehicle is totalled or stolen. If your loan balance is higher than the car’s current market value, GAP coverage can protect you from being left with a significant remaining balance. Bragg Mutual FCU offers GAP coverage as an optional add-on to most auto loans.

We’re Ready to Answer Your Questions

Didn’t see the information you’re looking for or have additional questions? Bragg Mutual is ready to help answer your questions and provide the info you need.
Contact BMFCU
Financial Calculators
*All loans subject to credit approval. Full insurance coverage is required. Restrictions may apply based on property and loan terms. Equal Housing Lender.

You are now leaving Bragg Mutual Federal Credit Union

Bragg Mutual Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Bragg Mutual Federal Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL