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Refinance Your Auto Loan

Looking to refinance your auto loan locally for better terms and lower rates? Look no further!

Refinancing your existing auto loan with HRCU when you want to decrease your monthly payments, change to better short-term or long-term payments, or pay off your loan sooner.

Refinance My Car        Calculate My Payments

Features & Benefits
  • 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 Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months4.99%125% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%125% LTV$15,000$18.19Apply Now
64 - 75 Months5.99%125% LTV$20,000$16.02Apply Now
76 - 84 Months6.99%125% LTV$20,000$15.09Apply Now
2016 - 20200 - 48 Months5.49%125% LTV$5,000$23.25Apply Now
49 - 63 Months5.74%125% LTV$15,000$18.42Apply Now
64 - 75 Months6.49%125% LTV$20,000$16.26Apply Now
76 - 84 Months7.24%125% LTV$20,000$15.21Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months4.99%125% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%125% LTV$15,000$18.19Apply Now
64 - 75 Months5.99%125% LTV$20,000$16.02Apply Now
76-84 Months6.99%125% LTV$20,000$15.09Apply Now
2016 - 20200 - 48 Months5.49%125% LTV$5,000$23.25Apply Now
49 - 63 Months5.74%125% LTV$15,000$18.42Apply Now
64 - 75 Months6.49%125% LTV$20,000$16.26Apply Now
76 - 84 Months7.24%125% LTV$20,000$15.21Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply 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.

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