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Auto Loans
We're here to simplify your auto buying journey. Whether you’re working with a dealership, refinancing your current loan, or buying out a lease, we're here to guide you with personalized service, competitive rates, and trusted local support - every mile of the way.
Refinance Offer
Move your auto loan to HRCU and receive a $100 Shell® gas gift card when your refinance closes.* Plus, you will be automatically entered for a chance to win a UNH Men's Hockey Bundle Prize!*
At HRCU, we believe better banking starts with personalized solutions and a local team that's ready to help. Whether you're looking to lower your monthly payment, reduce your rate, or both, we're here to help find a solution that works for you.
*Promotional period, September 14th,2026 – September 30th,2026. Applications must be received and approved by 4:59pm EST on September 30th,2026 to qualify. Limit one (1) $100 Shell gift card per qualifying auto refinance loan approved during the promotional period. Gift cards must be picked up at the HRCU branch selected by the member. Loans originated in an HRCU branch or through HRCU's online application process are eligible. Existing HRCU loans are not eligible for this promotion. In addition, each approved applicant will receive one entry into a drawing for a UNH Men's Hockey ticket basket. The drawing will be held on October 15, 2026. The raffle basket consists of four (4) tickets to the UNH Men's Hockey game scheduled for October 24, 2026, at 7:00 p.m. EST versus Michigan State. Odds of winning depend on the number of eligible entries received. The winner will be notified by email or telephone. The winner must respond within five (5) calendar days of notification to claim the prize. If the winner does not respond within that timeframe, an alternate winner may be selected. Rates and terms are based on creditworthiness and other underwriting factors and may vary. Other rates and terms are available. Standard underwriting guidelines apply. HRCU reserves the right to adjust or shut down the contest at any time. For more information contact us at (603) 332-6840. Rates and conditions are subject to change without notice. Shell and UNH Men's Hockey are not sponsors of, affiliated with, endorsed by, or otherwise associated with this promotion. All trademarks, service marks, trade names, logos, and other intellectual property rights are the property of their respective owners.
Dealership & HRCU Financing
Get your HRCU auto loan by applying directly at our partner dealerships. Just ask the dealer for HRCU financing.
Or if you want to know your financial picture before you go, you can get pre-approved with direct financing before you walk into the dealership. Click below to get pre-approved and understand what you can afford.
*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
**Up to 90 Days Without Payments feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the Up to 90 Days Without Payments feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the Up to 90 Days Without Payments offer.
Auto Loan Refinancing
Auto loan refinancing with HRCU is a smart choice when you want to reduce monthly payments, benefit from a credit score boost, or pay off your vehicle loan faster.
*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
**Up to 90 Days Without Payments feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the Up to 90 Days Without Payments feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the Up to 90 Days Without Payments offer.
Auto Lease Buyout Loans
Buying out your current auto lease? Apply directly for an auto loan with HRCU. Enjoy ownership with a convenient buyout process and payment plan that works for you.
*Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
**Up to 90 Days Without Payments feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the Up to 90 Days Without Payments feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the Up to 90 Days Without Payments offer.
Private Sale FinancingWe offer direct loan options for those wishing to buy from a private seller to make your car buying hassle-free.
*Rates shown include a 0.50% HRCU member loyalty discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing member with a checking account and an active debit card or payroll direct deposit. These must be established and active prior to loan closing. To qualify for the additional 0.25% rate discount, you must have an active loan or credit card with HRCU or have had one that was paid in full within the prior 12 months. The 0.50% discount applies to all consumer loans, excluding VISA, personal lines of credit, real estate loans and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Applicant must meet membership guidelines. Standard underwriting guidelines apply. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice.
**Up to 90 Days Without Payments feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the Up to 90 Days Without Payments feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the Up to 90 Days Without Payments offer.
First-time Car Buyer Program
When you're a first-time car buyer, the process of choosing a car or truck and applying for an auto loan can be overwhelming. That's why we developed our First-time Car Buyer program to teach you what you need to know before you start signing paperwork...like making sense of rates and terms so you get a loan that's miles better, or unpacking add-ons like Guaranteed Asset Protection (GAP) policies and extended warranties.
So call or come see us before you walk into the dealership. We'll be here for you every step of the way.
Effective Date: 9/15/2026
| Type | Term | Rates As Low As |
|---|---|---|
| 2023 - 2026 | 0 - 48 months | 4.49% APR* |
| 49 - 63 months | 4.49% APR* | |
| 64 - 75 months | 4.99% APR* | |
| 76 - 84 months | 5.49% APR* | |
| 2018 - 2022 | 0 - 48 months | 4.74% APR* |
| 49 - 63 months | 4.74% APR* | |
| 64 - 75 months | 5.74% APR* | |
| 76 - 84 months | 7.24% APR* | |
| 2016 - 2017 | 24 - 63 months | 8.24% APR* |
*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
Go further with your neighborhood credit union
Start with our financial education blog and empower yourself with knowledge to make a smart vehicle buying decision.
You could save big on your car insurance, and it can be easy to switch carriers — without losing money. Plus, we offer additional coverages for unexpected auto needs.
When life gets busy, bank on your own schedule with HRCU's fast and secure mobile and online banking.
The results provided by this loan estimate calculator are for informational and illustrative purposes only and are intended solely to assist you in planning and evaluating potential loan scenarios. All estimates are based on information you provide and assumptions that may not reflect your actual loan terms. Use of this calculator does not guarantee a loan approval, interest rates, payment amounts, or eligibility. Actual loan terms, including annual percentage rate (APR), monthly payment, fees, and other costs are subject to credit approval, and may vary based on factors such as your credit profile, income, and collateral. This tool does not constitute a loan offer or a commitment to lend.
Make your next smart move
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