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Let us help you find your next new or used vehicle!
Click "Find My Car Now" to access CUDL AutoSMART and see offers from local dealerships!
If you are ready to apply for your auto loan already, click "Apply Now" and let's get started!
- Finance your new or used vehicle from a dealer or private party sales
- Same-day decisions
- Weekly or bi-weekly payments 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
Auto Purchase Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 |
|---|---|---|---|---|---|
| 2017 & Newer | 24 - 63 Months | 2.99% | 125% LTV | $5,000 | $17.18 |
| 64 - 75 Months | 3.39% | 125% LTV | $15,000 | $14.82 | |
| 76 - 84 Months | 4.59% | 125% LTV | $20,000 | $13.95 | |
| 2012 - 2016 | 24 - 63 Months | 3.24% | 125% LTV | $5,000 | $17.29 |
| 64 - 75 Months | 3.84% | 125% LTV | $15,000 | $15.03 | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $14.14 | |
| 2010 - 2011 | 24 - 63 Months | 5.74% | 125% LTV | $5,000 | $18.43 |
*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for an active HRCU checking account with direct deposit, a .15% discount for an automatic payment on your HRCU auto loan, and a .10% discount for member loyalty (2 year minimum).
Payment Example: A $15,000 loan with a rate of 3.24% for 48 months, monthly payment is $333.64, total finance charges are $1,012.64.
HRCU does not finance model years older than 2010.
