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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 - 20220 - 48 Months2.24%125% LTV$5,000$21.80Apply Now
24 - 63 Months2.69%125% LTV$15,000$17.04Apply Now
64 - 75 Months3.24%125% LTV$20,000$14.75Apply Now
76 - 84 Months4.24%125% LTV$5,000$13.78Apply Now
2014 - 20180 - 48 Months2.49%125% LTV$5,000$21.91Apply Now
24 - 63 Months2.74%125% LTV$15,000$17.06Apply Now
64 - 75 Months3.49%125% LTV$20,000$14.86Apply Now
76 - 84 Months4.49%125% LTV$5,000$13.90Apply Now
2012 - 201324 - 63 Months5.99%100% LTV$5,000$18.54Apply 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. 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.

Payment Example: A $20,000 loan with a rate of 2.69% for 63 months, monthly payment is $340.76, total finance charges are $1,467.85.

HRCU does not finance model years older than 2012. Refinancing for non-HRCU loans only.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 20220 - 48 Months2.24%125% LTV$5,000$21.80Apply Now
24 - 63 Months2.69%125% LTV$15,000$17.04Apply Now
64 - 75 Months3.24%125% LTV$20,000$14.75Apply Now
76-84 Months4.24%125% LTV$5,000$13.78Apply Now
2014 - 201824 - 63 Months2.49%125% LTV$5,000$21.91Apply Now
64 - 75 Months2.74%125% LTV$15,000$17.06Apply Now
76 - 84 Months3.49%125% LTV$20,000$14.86Apply Now
76 - 84 Months4.49%125% LTV$5,000$13.90Apply Now
2012 - 201324 - 63 Months5.99%100% LTV$5,000$18.54Apply 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. 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.

Payment Example: A $20,000 loan with a rate of 2.69% for 63 months, monthly payment is $340.76, total finance charges are $1,467.85.

HRCU does not finance model years older than 2012. Refinancing for non-HRCU loans only.

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!