Welcome Back!

We're excited to see you! Masks are required while doing business in the branches. Click here to see temporary changes to branch availability at our MITRE Bedford, MITRE McLean, Bedford, South Bay, Moakley, O'Neill, and McCormack branches.

Mobile menu navigation

Car Lease-like program

Car lease program for a new/used car, truck or SUV

Calculate Payment
Free Insurance Quote

Better Than a Lease

  • Title is in your name - not the dealer
  • Lower monthly payments compared to a traditional lease
  • No security deposit, no initial fees and no penalty for early payment
  • Mileage options of 12,000, 15,000 or 18,000 per year
  • No security deposit or acquisition fees
  • No early payoff penalty

Compare and calculate payments

Better than a Lease Information

What is better than a lease? Check out our car leasing alternative.

Want a Lower Car Payment? Try Better Than a Lease!

Is a Better Than a Lease Loan For You?

Get Lower Payments on a Better Car

Leasing Fees for Dummies - Understanding Your Lease Agreement

Negotiating a Lease in Six Easy Steps

3 Myths of Car Leasing

Better Than a Lease Benefits

    • YOU have the option to sell, trade, refinance vehicle anytime or return the vehicle at loan maturity
    • Enables you to take shorter loan terms and change your vehicle every couple of years
    • Gives you negotiating power

    Compare and calculate payments

Like a lease, Better than a Lease offers payments considerably lower than conventional financing on your new or used vehicle. Compare and calculate payments now. Complete the form below if you would like to learn more about this loan option.






Security
  captcha code for visual authentication letter W number 4 letter B number 3

Table data for Better Than a Lease Loan
 Rates effective 09-28-2020
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
Calculate a Payment
  • 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.↵

Protect Your Wheels and Your Credit

When the road turns rough, car insurance and loan protection can help you get back to a smooth ride.

Auto Insurance Coverage

Mechanical Breakdown Protection

Payment Protection

GAP Insurance

Fast and easy

5

Fast friendly easy to apply

Derry

true

Very good

4

It was a very good experience. Loan officer was prompt in returning calls and texts, but unavailable from Friday evening to Monday morning. Understandable, but I happened to go car shopping on a Saturday. Everything was taken care of. There were a couple questions never answered.

MA

true

Fast and easy!

5

Collin at the Natick branch was great with my "better than a lease" loan. She outlined everything clearly, was quick at answering any questions and getting a quick loan approval/check.

MA

true

Iconic experience

5

Anita is amazing!! She was very proficient and patient! She did everything she could to make sure I was taken care of expeditiously and with excellent customer care. She was always available and made the process super easy!!

Dalla,Tx

true

Great program

5

This is a great program. Very flexible and plenty of options. Sara was great. Responsive and and efficient.

Massachusetts

true

Such an easy process!

5

This is my 2nd Better Than Lease Loan with HFCU. I got pre-approved so that I knew what I could afford. Carol contacted me to let her know when I found my Jeep. Well, I found my 2018 Jeep Rubicon a week later on Saturday and I picked it up on that next Tuesday. The over all process is so easy and stress less! All my accounts are with HFCU and will stay will HFCU!! Thank You :)

Billerica, MA

true

Best lease out there

5

Since I began using this program years ago recommended by a staff member, I have no regrets, Hanscomb has the most profesional staff, very helpful, friendly, and humble, I recommend this bank and lease program to all.

Fort Hood, Texas

true

So fast and easy

5

Absolutely the easiest process for any banking product I've ever done

Westwood, MA

true

Best experience with applying for a loan

5

Very easy and convenient process with Matt.

Waltham, MA

true

Excellent value and awesome member service

5

Ciara was absolutely amazing to work with she provided everything I needed was pleasant and efficient. Couldn't be more satisfied

Framingham ma

true

Better Than a Lease Loan Reviews

5.0 40

100.0

Other Stuff

About Us

Perks at Work

Careers

Foundation

John F. Condon Memorial Scholarship

Media Center

Support

Accessibility

Disclosures

Forms

Privacy Notice

Online Privacy Notice

Contact

800-656-4328

Contact Us

Locations

CU Service Centers

Routing #

2113-8048-3

MAILING ADDRESS

Hanscom Federal Credit Union
Operations Center
25 Porter Road
Littleton, MA 01460-1434

Social
  • National Credit Union Administration
  • Equal Housing Lender
  • 2020 © Hanscom Federal Credit Union. All rights reserved.
    This credit union is federally insured by the National Credit Union Administration.

Hanscom Federal Credit Union is committed to providing a website that is accessible to all. We have implemented the recommendations of the Web Content Accessibility Guidelines (WCAG) as published by the Web Accessibility Initiative (WAI) of the World Wide Web Consortium (W3C), and endeavor to conform to WCAG 2.0 Level AA of those guidelines.

There is no definitive test or certification of conformance to Level AA of the WCAG, but we have used a variety of methods for assessing accessibility. If you find a part of the site that you feel does not conform to Level AA of the WCAG, please contact us so we can evaluate the issue.

Please note: We chose to use the WCAG guidelines for compliance because they are determined by the W3C, the consortium responsible for creating guidelines for the Internet. For more information about Level AA Conformance, visit the World Wide Web Consortium.