Finance at HRCU
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.
- 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
Auto Purchase Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2018 - 2021 | 24 - 63 Months | 2.49% | 125% LTV | $5,000 | $16.95 | Apply Now |
| 64 - 75 Months | 2.99% | 125% LTV | $15,000 | $14.64 | Apply Now | |
| 76 - 84 Months | 4.15% | 125% LTV | $20,000 | $13.74 | Apply Now | |
| 2013 - 2017 | 24 - 63 Months | 2.74% | 125% LTV | $5,000 | $17.06 | Apply Now |
| 64 - 75 Months | 3.49% | 125% LTV | $15,000 | $14.86 | Apply Now | |
| 76 - 84 Months | 4.64% | 125% LTV | $20,000 | $13.97 | Apply Now | |
| 2011 - 2012 | 24 - 63 Months | 5.74% | 125% LTV | $5,000 | $18.42 | 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 2011 or newer. Existing HRCU loans not eligible. Standard underwriting guidelines apply. 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. Offer expires 3/31/2021.
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
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2018 - 2021 | 24 - 63 Months | 2.49% | 125% LTV | $5,000 | $16.95 | Apply Now |
| 64 - 75 Months | 2.99% | 125% LTV | $15,000 | $14.64 | Apply Now | |
| 76 - 84 Months | 4.15% | 125% LTV | $20,000 | $13.74 | Apply Now | |
| 2013 - 2017 | 24 - 63 Months | 2.74% | 125% LTV | $5,000 | $17.06 | Apply Now |
| 64 - 75 Months | 3.49% | 125% LTV | $15,000 | $14.86 | Apply Now | |
| 76 - 84 Months | 4.64% | 125% LTV | $20,000 | $13.97 | Apply Now | |
| 2011 - 2012 | 24 - 63 Months | 5.74% | 125% LTV | $5,000 | $18.42 | 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 2011 or newer. Existing HRCU loans not eligible. Standard underwriting guidelines apply. 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. Offer expires 3/31/2021.
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.
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