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Pre-approval, purchase, refinance—rates as low as 3.99%* APR1

Apply for Your Auto Loan *Lowest advertised APR of 3.99% assumes a base APR of 5.49% for a 66-month term on a 2024-2026 model year vehicle and qualification for all available discounts. Available discounts include a 0.25% APR Hybrid/Electric Vehicle discount, a 0.25% APR Active Military or eligible First Responder discount, and up to a 1.00% APR discount for loans with a loan-to-value (LTV) ratio below 60%. Not all applicants will qualify for all discounts.

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

Car, Truck & SUV Rates  Loan Payment Calculator

Table data for New and Used Car Loan Rates
 Rates effective 08-11-2026
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
2024-2026 Vehicles
Up to 66 Months		 3.99% $16.96 Receive a notification when this rate changes
2024-2026 Vehicles
Up to 78 Months		 4.49% $14.87 Receive a notification when this rate changes
2024-2026 Vehicles
Up To 84 Months		 5.19% $14.29 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 66 Months		 4.39% $17.15 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 78 Months		 4.89% $15.06 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 84 Months		 5.59% $14.49 Receive a notification when this rate changes
2019 and Older
Up To 66 Months		 5.09% $17.48 Receive a notification when this rate changes
2019 and Older
Up To 78 Months		 5.59% $15.40 Receive a notification when this rate changes
2019 and Older
Up To 84 Months		 6.59% $14.98 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payment options are available. Maximum loan-to-value (LTV) for vehicle loans is up to 120% for qualified borrowers. To qualify for the lowest advertised APR, borrowers must have a credit score of 700 or greater and meet all applicable discount and underwriting requirements. Loans are subject to credit approval.

Rates shown represent the lowest available APRs for each vehicle model year and term and assume qualification for all available rate discounts. Available discounts include: • 0.25% APR discount for qualifying Hybrid or Electric Vehicles • 0.25% APR discount for eligible Active Military members or First Responders • Up to 1.00% APR discount based on loan-to-value (LTV) For example, the advertised 3.99% APR for a 2024-2026 vehicle financed for up to 66 months assumes a base APR of 5.49% and qualification for all available discounts.

Active Military discount is available to current active-duty members of the United States Armed Forces, including the Army, Navy, Air Force, Marine Corps, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps, and U.S. Public Health Service Commissioned Corps. First Responders include paid or volunteer firefighters, law enforcement officers (including sheriffs and deputies), correctional officers, state troopers, federal law enforcement officers, campus police officers, emergency medical technicians (EMTs), paramedics, and 911 dispatchers.

Rates shown are the lowest available rates currently offered. Not all applicants will qualify for the lowest advertised rates, terms, or discounts. Discount eligibility is subject to verification and underwriting requirements. Rates, terms, discounts, and programs are subject to change or discontinuation at any time without notice.
  • 1APR = Annual Percentage Rate. Rates available to individual borrowers may vary based on creditworthiness, vehicle model year, term, loan amount, collateral value, loan-to-value ratio, and other underwriting criteria. ↵
  • 2Payment examples shown are estimated monthly payments per $1,000 borrowed and are based on the maximum available term for the applicable vehicle category. Actual payment amounts will vary based on APR, loan amount, repayment term, and individual loan qualifications. ↵

Calculate Your Auto Loan Payment

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84 months
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72 months
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60 months
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36 months
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24 months
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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!

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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