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Refinance Auto

Get financing in order so you can upgrade your everyday vehicle or refinance an existing loan from another institution. We offer many options to suit all types of auto loan needs. Plus, our rates are some of the lowest in the area.

Features
  • Dealer or private party sales
  • New or used
  • Same-day decisions
  • Weekly or bi-weekly payments are also available
  • Loan will be held and serviced right here at HRCU
  • Extended warranties and GAP policies available for both new and used autos
  • Life/Disability payment insurance available to eligible borrowers
Rates

Auto Purchase Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 202224 - 63 Months2.19%125% LTV$5,000$16.82Apply Now
64 - 75 Months2.79%125% LTV$15,000$14.55Apply Now
76 - 84 Months3.69%125% LTV$20,000$13.53Apply Now
2014 - 201824 - 63 Months2.54%125% LTV$5,000$16.98Apply Now
64 - 75 Months3.14%125% LTV$15,000$14.71Apply Now
76 - 84 Months4.04%125% LTV$20,000$13.69Apply Now
2012 - 201324 - 63 Months4.79%100% LTV$5,000$17.99Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.

HRCU does not finance model years older than 2012.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 202224 - 63 Months2.19%125% LTV$5,000$16.82Apply Now
64 - 75 Months2.79%125% LTV$15,000$14.55Apply Now
76 - 84 Months3.69%125% LTV$20,000$13.53Apply Now
2014 - 201824 - 63 Months2.54%125% LTV$5,000$16.98Apply Now
64 - 75 Months3.14%125% LTV$15,000$14.71Apply Now
76 - 84 Months4.04%125% LTV$20,000$13.69Apply Now
2012 - 201324 - 63 Months4.79%100% LTV$5,000$17.99Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.

HRCU does not finance model years older than 2012.

Purchase Auto

Get pre-approved before you head out to the dealership or apply for your HRCU loan while scoping out the vehicles on the lot. The CUDL (Credit Union Direct Lending) program gives you access to great Credit Union rates and an approval in minutes!

First-Time Car Buyer Program

First-time car buyer? Our rates and terms for first-time car buyers are miles better than those at the dealerships. Plus, we can teach you what you need to know about gap policies and extended warranties! Call us or come in and see us before you go car shopping!