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When you choose HRCU for your auto loan, you can experience Better, Not Bigger, Banking at every turn.
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.**
Looking to refinance your auto loan for better terms and lower rates? Look no further.
Refinancing your existing auto loan with HRCU may help you decrease your monthly payments, change to better short-term or long-term payments, or pay off your loan sooner.
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2020 - 2024 | 0 - 48 Months | 6.24% | 125% LTV | $5,000 | $23.60 | Apply Now |
| 49 - 63 Months | 6.49% | 125% LTV | $15,000 | $18.77 | Apply Now | |
| 64 - 75 Months | 7.24% | 125% LTV | $20,000 | $16.62 | Apply Now | |
| 76-84 Months | 7.99% | 125% LTV | $20,000 | $15.58 | Apply Now | |
| 2015 - 2019 | 0 - 48 Months | 6.74% | 125% LTV | $5,000 | $23.83 | Apply Now |
| 49 - 63 Months | 6.99% | 125% LTV | $15,000 | $19.01 | Apply Now | |
| 64 - 75 Months | 7.74% | 125% LTV | $20,000 | $16.86 | Apply Now | |
| 76 - 84 Months | 8.49% | 125% LTV | $20,000 | $15.83 | Apply Now | |
| 2013 - 2014 | 24 - 63 Months | 9.49% | 100% LTV | $5,000 | $20.22 | Apply 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.
Are you looking to buy out your your lease? Or buy from a private seller?
Apply directly for an HRCU auto loan and experience better banking.
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2020 - 2024 | 0 - 48 Months | 6.24% | 125% LTV | $5,000 | $23.60 | Apply Now |
| 49 - 63 Months | 6.49% | 125% LTV | $15,000 | $18.77 | Apply Now | |
| 64 - 75 Months | 7.24% | 125% LTV | $20,000 | $16.62 | Apply Now | |
| 76 - 84 Months | 7.99% | 125% LTV | $20,000 | $15.58 | Apply Now | |
| 2015 - 2019 | 0 - 48 Months | 6.74% | 125% LTV | $5,000 | $23.83 | Apply Now |
| 49 - 63 Months | 6.99% | 125% LTV | $15,000 | $19.01 | Apply Now | |
| 64 - 75 Months | 7.74% | 125% LTV | $20,000 | $16.86 | Apply Now | |
| 76 - 84 Months | 8.49% | 125% LTV | $20,000 | $15.83 | Apply Now | |
| 2013 - 2014 | 24 - 63 Months | 9.49% | 100% LTV | $5,000 | $20.22 | Apply 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? 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!
Less time on hassle. More time for fun with our Recreational Loans. We offer a variety of loan options for that dream ride, click the button below for more.
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