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BCI Financial Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 September 2023
Fact checked

A quick review of BCI Financial Group auto loans

BCI Financial Group logo

BCI Financial is an independently operated finance company specializing in automobile lending for 25 years. Though BCI offers new and used car loans for foreign and domestic vehicles, you can only apply through its partner dealerships. You can choose from 300+ car dealers across Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, Rhode Island, and Vermont.

Want to see what a BCI auto loan will cost? Try the BCI Financial auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key BCI Financia auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Late payment fees depending on your contract and overdraft fees amounting to $10 or based on state law.
  • Discounts: Potential lower rates for applicants with higher credit scores.

BCI Financial auto loan options

You can buy new, used, domestic, and foreign vehicles from BCI’s partner dealerships. Across Northeast USA, BCI Financial works with over 300 auto dealers to help you find the right vehicle for you. However, BCI doesn’t currently refinance auto loans.

BCI Financial auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
BCI Financial

BCI Financial auto loan

BCI Financial auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate BCI Financial auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a BCI Financial auto loan

Eligibility criteria

BCI Financial doesn’t specify the requirements to finance a vehicle, but you typically need to:

  • Be 18 years old or older
  • Have a valid driver’s license
  • Be a U.S. citizen or a permanent resident
  • Have a steady source of income

It’s always worth it to check your credit score whether it’s your first loan or not. Through this, you can make adjustments to boost your credit and increase your chances of getting approved for an auto loan. Remember, a positive payment history helps you lock in more competitive interest rates and loan terms.

What you’ll need to have ready:

When you apply for auto financing with BCI Financial, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide BCI with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Having the above information on hand will help BCI Financial process your application faster. In turn, you can own and drive your car earlier.

Ways to apply for a BCI Financial auto loan:

  • Apply through car dealerships
  • Call (203) 439-9400

Additional BCI Financial Group auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. But usually, dealerships can approve a borrower on the same day to a few business days.
  • Rate discounts: Lower interest rates for applicants with high credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Yes. Amount not specified.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online, mobile banking, and by mail.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Variety of choices from 300+ car dealers.
  • Available in several states.
  • Potential low interest rates for applicants with high credit scores.
  • Automatic payments available.
  • Access to your loan information 24/7.
  • Free payment programs through monthly coupons by mail, BCI’s automatic payment program, online customer portal, and online banking.

Cons

  • Interest rates and certain fees undisclosed.
  • Lack of car loan refinancing.
  • Limited to auto dealerships.

Frequently asked questions

Does BCI Financial refinance auto loans?

BCI doesn’t currently offer car loan refinancing.

Can I apply for BCI Financial Group vehicle finance online?

You can only finance a car by working with BCI Financial’s network of dealerships.

Are the auto loans available in all 50 states?

BCI Financial auto loans are limited to Connecticut, Massachusetts, Vermont, Rhode Island, New Hampshire, New Jersey, and Maine.

Where can I apply for a BCI Financial auto loan?

You can apply through BCI Financial’s network of over 300 auto dealers across the Northeast USA.

How do BCI car loans work?

When applying for BCI auto finance, expect the following steps:

  1. Look for a dealer and vehicle that catch your interest. Once you’ve made a decision, you’ll head to the finance office at the dealership.
  2. The finance manager will handle your application and send it to BCI and possibly other lenders.
  3. BCI will carefully review your credit application and file to determine your rates and terms. If approved, the dealership will prepare a Retail Installment Contract and other documents.
  4. Once you review, agree to, and sign the paperwork, you can drive your chosen vehicle.
  5. Within 2 weeks, you will receive your welcome letter and a payment book with your loan details, monthly payment instructions, and BCI’s contact information.
Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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