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Finance at HRCU

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Must be 18 years old to qualify for a loan. Vehicle must be model year 2011 or newer. Existing HRCU loans not eligible. Standard underwriting guidelines apply. Reward equal to 1% (one percent) of loan financed amount with a maximum reward of $400 (four hundred dollars). If you participate in this offer: 1) you may receive Form 1099-MISC at year end; 2) the 1% cash back reward will be forfeited and added to the payoff amount if the loan is closed within 6 (six) months of opening. Membership with a savings account at HRCU is required to participate in the offer. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information. HRCU reserves the right to end the promotion at any time. Limited time offer.

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
2018 - 202124 - 63 Months2.49%125% LTV$5,000$16.95Apply Now
64 - 75 Months2.99%125% LTV$15,000$14.64Apply Now
76 - 84 Months4.15%125% LTV$20,000$13.74Apply Now
2013 - 201724 - 63 Months2.74%125% LTV$5,000$17.06Apply Now
64 - 75 Months3.49%125% LTV$15,000$14.86Apply Now
76 - 84 Months4.64%125% LTV$20,000$13.97Apply Now
2011 - 201224 - 63 Months5.74%125% LTV$5,000$18.42Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2011 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 2.49% for 63 months, monthly payment is $254.23, total finance charges are $1,016.20.

HRCU does not finance model years older than 2011.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months2.49%125% LTV$5,000$16.95Apply Now
64 - 75 Months2.99%125% LTV$15,000$14.64Apply Now
76 - 84 Months4.15%125% LTV$20,000$13.74Apply Now
2013 - 201724 - 63 Months2.74%125% LTV$5,000$17.06Apply Now
64 - 75 Months3.49%125% LTV$15,000$14.86Apply Now
76 - 84 Months4.64%125% LTV$20,000$13.97Apply Now
2011 - 201224 - 63 Months5.74%125% LTV$5,000$18.42Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Must be 18 years old to qualify for a loan. Vehicle must be model year 2011 or newer. Existing HRCU loans not eligible. Standard underwriting guidelines apply. Reward equal to 1% (one percent) of loan financed amount with a maximum reward of $400 (four hundred dollars). If you participate in this offer: 1) you may receive Form 1099-MISC at year end; 2) the 1% cash back reward will be forfeited and added to the payoff amount if the loan is closed within 6 (six) months of opening. Membership with a savings account at HRCU is required to participate in the offer. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information. HRCU reserves the right to end the promotion at any time. Limited time offer.

Payment Example: A $15,000 loan with a rate of 2.49% for 63 months, monthly payment is $254.23, total finance charges are $1,016.20.

HRCU does not finance model years older than 2011.

Finance at the Dealer

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!