Car Loans

Car loans and auto refinancing for cars, trucks, and SUVs

New/Used Car Loan

  • Get the same rate on new or used car.
  • Finance up to 120% of purchase price including sales tax and warranty.
  • Apply, sign and get your money online.

Refinance

  • Lower your monthly payment and save hundreds of dollars in finance charges.
  • Drop your current auto loan rate by ½%, 1%, 2% or more.
  • No application fees or title transfer fees.

Let us evaluate your current car, truck or SUV loan payment and reduce your monthly driving cost. 

Complete the form below and a member of the team will contact you and evaluate your existing loan with no obligation. You can also visit any branch location or call us at 800-656-4328 for details.






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Options

Money Saving Options

Discounts

Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get an additional 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible.

Rates

Table data for New and Used Car Loan
 Rates effective 06-22-2018
Annual Percentage Rates (APR) as low as: Payment per $1,0001 Alert Me
Up to 24 Months 2.24% $42.65 Receive a notification when this rate changes
25 to 36 Months 2.74% $28.97 Receive a notification when this rate changes
37 to 48 Months 2.94% $22.11 Receive a notification when this rate changes
49 to 65 Months 3.19% $16.77 Receive a notification when this rate changes
66 to 75 Months 3.44% $14.84 Receive a notification when this rate changes
76 to 84 Months 4.74% $14.01 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
*APR= Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. 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. Maximum loan to value for vehicle loans is 120% for members with the best credit profile.
  • 1Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

How much car can you afford?

3 year loan:
7 year loan:
Apply Now

Table data for Better Than a Lease Loan
 Rates effective 06-22-2018
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
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Table data for New and Used Boats, Motorcycles and RVs
 Rates effective 06-22-2018
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 2.74% $42.87 Receive a notification when this rate changes
25 to 36 Months 3.24% $29.19 Receive a notification when this rate changes
37 to 48 Months 3.44% $22.33 Receive a notification when this rate changes
49 to 65 Months 3.69% $17.00 Receive a notification when this rate changes
66 to 75 Months 3.94% $15.06 Receive a notification when this rate changes
76 to 84 Months 5.24% $14.25 Receive a notification when this rate changes
Apply for a Loan Online Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate.
  • 2Rates shown are for members with the best credit profile. Other rates are available, based on your credit history.

Reviews

Love the CU

5

Love the CU. Don't have any negative comments

MA

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Always an easy experience. Great service!

5

Great service. Carol at the Littleton Branch was A+.

Haverhill , MA

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Seamless process

5

The help I received from the Brockton office was outstanding. The process was seamless and completed in one day.

Braintree, MA

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Fast and easy

5

Good service

Baltimore

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Great experience they took care of me on my new loan

5

Love this bank the costumer service is excellent!! Completey professional!!

Lowel ma

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Outstanding customer service!!

5

The entire process was exceptional. I applied at 8pm for a car loan and received the check by 3pm the next day. I can not say enough about the service and Denise L. inparticular! She went above the call of duty to ensure I had the check before closing. She even stayed late to assist me. Outstanding customer service and professionalism!

Braintree, Ma

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Working with Kim is always great!

5

Kim was a pleasure to work with as always. If you want to get something done quickly and correctly, she is your go-to person.

Tewksbury, MA

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Poor service

1

I think, the women Jane does it pay attention , and disrupts the quality of reknown bank such as HCFCU. I also think that up front had employees can break you. Other than that I was considering purchasing a home I just do not wa t ro dun I to to this women's poor quality of service ever again, at the Bedford branch.

Bedford MA

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Great customer service!

5

HFCU is amazing! This is the second vehicle I have refinanced with them, and the second time they've had better rates than USAA. Thank you HFCU!

Sahuarita, AZ

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Joan is an outstanding example of banking as it should be .

5

I first met Joan a few years ago when I was referred to her by my social worker .I needed someone to help me get back on track to establish a credit rating sufficient to procure a car with a decent interest rate.From the start Joan was non- judgmental and totally committed to helping me achieve my goals.She has continued to advise, educate and foster my financial well being.Thanks Joan and HFCU !!!

bradford ma

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Car Loan Reviews

4.9 386

98.6