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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.** 

*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.

Refinance Your Auto Loan

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.

 

Features
  • 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 Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20240 - 48 Months6.24%125% LTV$5,000$23.60Apply Now
49 - 63 Months6.49%125% LTV$15,000$18.77Apply Now
64 - 75 Months7.24%125% LTV$20,000$16.62Apply Now
76-84 Months7.99%125% LTV$20,000$15.58Apply Now
2015 - 20190 - 48 Months6.74%125% LTV$5,000$23.83Apply Now
49 - 63 Months6.99%125% LTV$15,000$19.01Apply Now
64 - 75 Months7.74%125% LTV$20,000$16.86Apply Now
76 - 84 Months8.49%125% LTV$20,000$15.83Apply Now
2013 - 201424 - 63 Months9.49%100% LTV$5,000$20.22Apply 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.

*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.
Apply NowAuto Payment CalculatorAuto Payment CalculatorAlready applied online? Check the status nowAlready applied online? Check the status now

Auto Finance at HRCU

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. 

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
2020 - 20240 - 48 Months6.24%125% LTV$5,000$23.60Apply Now
49 - 63 Months6.49%125% LTV$15,000$18.77Apply Now
64 - 75 Months7.24%125% LTV$20,000$16.62Apply Now
76 - 84 Months7.99%125% LTV$20,000$15.58Apply Now
2015 - 20190 - 48 Months6.74%125% LTV$5,000$23.83Apply Now
49 - 63 Months6.99%125% LTV$15,000$19.01Apply Now
64 - 75 Months7.74%125% LTV$20,000$16.86Apply Now
76 - 84 Months8.49%125% LTV$20,000$15.83Apply Now
2013 - 201424 - 63 Months9.49%100% LTV$5,000$20.22Apply 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.

*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.
Apply NowCalculate My PaymentsCalculate My PaymentsAlready applied online? Check the status nowAlready applied online? Check the status now

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!

Looking for more fun?

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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