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
- 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
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2021 - 2024 | 0 - 48 Months | 5.74% | 125% LTV | $5,000 | $23.37 | Apply Now |
| 49 - 63 Months | 5.99% | 125% LTV | $15,000 | $18.54 | Apply Now | |
| 64 - 75 Months | 6.24% | 125% LTV | $20,000 | $16.14 | Apply Now | |
| 76 - 84 Months | 7.49% | 125% LTV | $20,000 | $15.33 | Apply Now | |
| 2016 - 2020 | 0 - 48 Months | 5.99% | 125% LTV | $5,000 | $23.48 | Apply Now |
| 49 - 63 Months | 6.24% | 125% LTV | $15,000 | $18.66 | Apply Now | |
| 64 - 75 Months | 6.99% | 125% LTV | $20,000 | $16.50 | Apply Now | |
| 76 - 84 Months | 7.99% | 125% LTV | $20,000 | $15.58 | Apply Now | |
| 2014 - 2015 | 24 - 63 Months | 9.74% | 100% LTV | $5,000 | $20.34 | Apply Now |
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2021 - 2024 | 0 - 48 Months | 5.74% | 125% LTV | $5,000 | $23.37 | Apply Now |
| 49 - 63 Months | 5.99% | 125% LTV | $15,000 | $18.54 | Apply Now | |
| 64 - 75 Months | 6.24% | 125% LTV | $20,000 | $16.14 | Apply Now | |
| 76-84 Months | 7.49% | 125% LTV | $20,000 | $15.33 | Apply Now | |
| 2016 - 2020 | 0 - 48 Months | 5.99% | 125% LTV | $5,000 | $23.48 | Apply Now |
| 49 - 63 Months | 6.24% | 125% LTV | $15,000 | $18.66 | Apply Now | |
| 64 - 75 Months | 6.99% | 125% LTV | $20,000 | $16.50 | Apply Now | |
| 76 - 84 Months | 7.99% | 125% LTV | $20,000 | $15.58 | Apply Now | |
| 2014 - 2015 | 24 - 63 Months | 9.74% | 100% LTV | $5,000 | $20.34 | 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 2014 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 877-895-6840 for more information.
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