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Auto Finance at HRCU

Get your auto loan by applying directly with HRCU. Use our easy and simple online application by clicking the "Apply Now" button to get started.

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 Months5.74%115% LTV$5,000$23.37Apply Now
49 - 63 Months5.99%115% LTV$15,000$18.54Apply Now
64 - 75 Months6.49%115% LTV$20,000$16.26Apply Now
76 - 84 Months7.49%115% LTV$20,000$15.33Apply Now
2015 - 20190 - 48 Months5.99%115% LTV$5,000$23.48Apply Now
49 - 63 Months6.49%115% LTV$15,000$18.77Apply Now
64 - 75 Months6.99%115% LTV$20,000$16.50Apply Now
76 - 84 Months7.99%115% LTV$20,000$15.58Apply Now
2013 - 201424 - 63 Months8.49%100% LTV$5,000$19.73Apply 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.

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

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 Months5.74%115% LTV$5,000$23.37Apply Now
24 - 63 Months5.99%115% LTV$15,000$18.54Apply Now
64 - 75 Months6.49%115% LTV$20,000$16.26Apply Now
76-84 Months7.49%115% LTV$20,000$15.33Apply Now
2015 - 20190 - 48 Months5.99%115% LTV$5,000$23.48Apply Now
24 - 63 Months6.49%115% LTV$15,000$18.77Apply Now
64 - 75 Months6.99%115% LTV$20,000$16.50Apply Now
76 - 84 Months7.99%115% LTV$20,000$15.58Apply Now
2013 - 201424 - 63 Months8.49%100% LTV$5,000$19.73Apply 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.

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

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. 

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!

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.