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Auto Finance at a Dealership

Already heading to the dealership? Not to worry. HRCU's got you covered! Get your HRCU auto loan by applying directly at our partner dealerships.

Just ask the dealer for HRCU financing, or click the Shop for My Car button to get pre-approved. 

Don't worry, you'll still experience all of the perks and benefits of banking with HRCU, including exclusive member discounts* and up to 90 days with no payments.** 

Shop for My Car        Get Pre-Approved

Refinance Your Auto Loan

Looking to refinance your auto loan locally for better terms and lower rates? Look no further!

Refinancing your existing auto loan with HRCU when you want to decrease your monthly payments, change to better short-term or long-term payments, or pay off your loan sooner.

Refinance My Car        Calculate My Payments

Features & Benefits
  • Exclusive member discounts*
  • Up to 90 days no payments**
  • Available for new or used vehicles
  • Fast and easy application process with 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
  • Life/Disability payment insurance available to eligible borrowers
Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months4.99%125% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%125% LTV$15,000$18.19Apply Now
64 - 75 Months5.99%125% LTV$20,000$16.02Apply Now
76 - 84 Months6.99%125% LTV$20,000$15.09Apply Now
2016 - 20200 - 48 Months5.49%125% LTV$5,000$23.25Apply Now
49 - 63 Months5.74%125% LTV$15,000$18.42Apply Now
64 - 75 Months6.49%125% LTV$20,000$16.26Apply Now
76 - 84 Months7.24%125% LTV$20,000$15.21Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months4.99%125% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%125% LTV$15,000$18.19Apply Now
64 - 75 Months5.99%125% LTV$20,000$16.02Apply Now
76-84 Months6.99%125% LTV$20,000$15.09Apply Now
2016 - 20200 - 48 Months5.49%125% LTV$5,000$23.25Apply Now
49 - 63 Months5.74%125% LTV$15,000$18.42Apply Now
64 - 75 Months6.49%125% LTV$20,000$16.26Apply Now
76 - 84 Months7.24%125% LTV$20,000$15.21Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (within past 12 months) or the purchase of an electric or hybrid vehicle (.25% discount cannot be combined). Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Buy Out Your Lease

Are you interested in buying out your current lease or purchasing from a private seller?

If you're looking for a hassle-free and personalized banking experience, we recommend applying directly for an auto loan with HRCU. Our dedicated team is here to assist you throughout the process and ensure that your banking needs are met with utmost convenience.

Buy Out My Lease        Calculate My Payments

Features & Benefits
  • Exclusive member discount*
  • No payment for up to 90 days**
  • Available for new or used vehicles
  • Use equity in vehicle for cash out
  • Fast and easy application process with 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

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months4.99%125% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%125% LTV$15,000$18.19Apply Now
64 - 75 Months5.99%125% LTV$20,000$16.02Apply Now
76 - 84 Months6.99%125% LTV$20,000$15.09Apply Now
2016 - 20200 - 48 Months5.49%125% LTV$5,000$23.25Apply Now
49 - 63 Months5.74%125% LTV$15,000$18.42Apply Now
64 - 75 Months6.49%125% LTV$20,000$16.26Apply Now
76 - 84 Months7.24%125% LTV$20,000$15.21Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (within past 12 months) or the purchase of an electric or hybrid vehicle (.25% discount cannot be combined). Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

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 our other services and benefits such as gap policies and extended warranties.

Call us or come in and see us before you go car shopping!

Contact Us

 

 

Auto Loan Disclosure:

*To qualify for the HRCU Member Loyalty Discount, applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an HRCU VISA. An applicant that meets at least one (1) of the three (3) criteria listed qualifies for the 0.25% loan discount. The 0.25% 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.

Become a Member

If you live, work, go to school in the State of New Hampshire or York County, Maine or have an immediate family member that is a current member, you are eligible to join HRCU.

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