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Auto Loans
Ready to hit the road?
Let us help you get out there!

Pre-approval, purchase, refinance—rates as low as 5.24%APR*.

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*Loans subject to credit and collateral qualifications; not all applicants will qualify. Rates, terms, and loan amounts are based on your credit worthiness and are subject to approval.

Car Truck and SUV Loans

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Finance up to
120%
of the purchase price*.

*Loan up to 84 months; maximum loan to value for vehicle loans is 120% for members with the best credit profile.

Hanscom FCU: Great Loan Rates and the Best Service

  • No Application or Title Transfer Fees
  • Same Great Rate: New, Used, Refinance
  • Flexible Payment Options
  • Choose Auto Pay for the Best Rate

Car, Truck & SUV Rates  Loan Payment Calculator

Calculate Your Auto Loan Payment

Enter a loan amount and see how affordable your monthly payment will be at various loan terms.
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84 months
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72 months
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60 months
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48 months
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36 months
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24 months
Payment Amount

Apply now Find more about an auto loan

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Trust Hanscom to Tell It Like It Is

Tips

Get ahead on financing and then get behind the wheel.

Before you shop for your car, apply online to get pre-approved. You’ll find out the maximum amount you’re qualified to borrow... And then it's time to go shopping. Have fun!

Testimonials

Lindsey K. in Tewksbury:

I financed my truck with Hanscom in N. Billerica. Staff helped me get a great loan rate and saved me a ton. And they offered advice on how to improve my credit score to get an even lower rate in the future. I could not be more happy with the service I received.

Guidance

First-time car buyer?

Budget check: There’s more to your car expenses than just your monthly loan payment.

Be sure to account for your auto insurance, fuel, maintenance, repairs, and more!

Table data for New and Used Car Loan Rates
 Rates effective 12-23-2025
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
Up to 24 Months 5.24% $43.98 Receive a notification when this rate changes
25 to 36 Months 5.24% $30.08 Receive a notification when this rate changes
37 to 48 Months 5.24% $23.14 Receive a notification when this rate changes
49 to 65 Months 5.44% $17.80 Receive a notification when this rate changes
66 to 75 Months 5.94% $16.00 Receive a notification when this rate changes
76 to 84 Months 6.99% $15.09 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payments are available. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Hanscom FCU offers a 0.25% discount for loans on new and used vehicles (excluding motorcycles) to current active duty members in the U.S. Military and First Responders. Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps) First Responders would be defined as follows: Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵

woman in Army hoodie

For First Responders & Active-Duty Military

0.25% Rate Reduction on Personal Auto Loans

Your service to our country and community means so much to us. For your dedication and patriotism, we extend a special auto loan discount to you. Please check to see if you qualify.

First Responders:
Paid or volunteer Firefighters, Police Officers: including Sheriffs and Sheriffs' Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police; EMTs and Paramedics; and 911 Dispatchers

Current active-duty members:
United States Uniformed Services: Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard; NOAA Commissioned Corps; and Public Health Service Commissioned Corps