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Finance at HRCU
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.
- 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
Auto Purchase Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2016 & Newer | 24 - 63 Months | 3.49% | 125% LTV | $5,000 | $17.40 | Apply Now |
| 64 - 75 Months | 3.99% | 125% LTV | $15,000 | $15.09 | Apply Now | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $13.90 | Apply Now | |
| 2011 - 2015 | 24 - 63 Months | 3.74% | 125% LTV | $5,000 | $17.51 | Apply Now |
| 64 - 75 Months | 4.24% | 125% LTV | $15,000 | $15.21 | Apply Now | |
| 76 - 84 Months | 5.24% | 125% LTV | $20,000 | $14.25 | Apply Now | |
| 2009 - 2010 | 24 - 63 Months | 4.24% | 125% LTV | $5,000 | $17.74 | Apply Now |
Auto Refinance Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2016 & Newer | 24 - 63 Months | 2.99% | 125% LTV | $5,000 | $17.18 | Apply Now |
| 64 - 75 Months | 3.74% | 125% LTV | $15,000 | $14.98 | Apply Now | |
| 76 - 84 Months | 4.74% | 125% LTV | $20,000 | $14.02 | Apply Now | |
| 2011 - 2015 | 24 - 63 Months | 3.24% | 125% LTV | $5,000 | $17.29 | Apply Now |
| 64 - 75 Months | 3.99% | 125% LTV | $15,000 | $15.10 | Apply Now | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $14.14 | Apply Now | |
| 2009 - 2010 | 24 - 63 Months | 3.99% | 125% LTV | $5,000 | $17.63 | Apply Now |
*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for an active HRCU checking account with direct deposit, a .15% discount for an automatic payment on your HRCU auto loan, and a .10% discount for member loyalty (2 year minimum).
Payment Example: A $15,000 loan with a rate of 3.24% for 48 months, monthly payment is $333.64, total finance charges are $1,014.22.
HRCU does not finance model years older than 2009.