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Auto Finance at HRCU

Get your auto loan by applying directly with HRCU. Use our online application or contact us to get pre-approved.

 

Features & Benefits
  • Lower your rate & save money
  • Use equity in vehicle for cash out
  • Quick 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 - 20230 - 48 Months4.99%115% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%115% LTV$15,000$18.19Apply Now
64 - 75 Months5.49%115% LTV$20,000$15.78Apply Now
76 - 84 Months6.49%115% LTV$20,000$14.84Apply Now
2015 - 20190 - 48 Months5.24%115% LTV$5,000$23.14Apply Now
49 - 63 Months5.49%115% LTV$15,000$18.31Apply Now
64 - 75 Months5.99%115% LTV$20,000$16.02Apply Now
76 - 84 Months6.74%115% LTV$20,000$14.97Apply Now
2013 - 201424 - 63 Months7.84%100% LTV$5,000$19.41Apply 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.

Payment Example: A $20,000 loan with a rate of 5.24% for 63 months, monthly payment is $363.81 total finance charges are $2,920.34.
HRCU does not finance model years older than 2013 Refinancing for non-HRCU loans only.

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Auto Refinance

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 Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months4.99%115% LTV$5,000$23.02Apply Now
24 - 63 Months5.24%115% LTV$15,000$18.19Apply Now
64 - 75 Months5.49%115% LTV$20,000$15.78Apply Now
76-84 Months6.49%115% LTV$20,000$14.84Apply Now
2015 - 20190 - 48 Months5.24%115% LTV$5,000$23.14Apply Now
24 - 63 Months5.49%115% LTV$15,000$18.31Apply Now
64 - 75 Months5.99%115% LTV$20,000$16.02Apply Now
76 - 84 Months6.74%115% LTV$20,000$14.97Apply Now
2013 - 201424 - 63 Months7.84%100% LTV$5,000$19.41Apply 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.

Payment Example: A $20,000 loan with a rate of 5.24% for 63 months, monthly payment is $363.81 total finance charges are $2,920.34.
HRCU does not finance model years older than 2013. Refinancing for non-HRCU loans only.

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Auto Finance at a Dealership

Get your HRCU auto loan by applying directly at our partner dealerships. Just ask the dealer for HRCU financing, or contact us to get pre-approved.

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!

Skip A Payment

Give your wallet a break and skip your next HRCU loan payment! Your loan could be eligible, ask how today!