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.






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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
 Rates effective 02-20-2019
Annual Percentage Rates (APR) as low as:1 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 4.74% $14.01 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
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.
  • 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.

How much car can you afford?

3 year loan:
7 year loan:
Apply Now

Table data for Better Than a Lease Loan
 Rates effective 02-20-2019
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.

Table data for New and Used Boats, Motorcycles and RVs
 Rates effective 02-20-2019
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 3.24% $43.09 Receive a notification when this rate changes
25 to 36 Months 3.74% $29.41 Receive a notification when this rate changes
37 to 48 Months 3.94% $22.55 Receive a notification when this rate changes
49 to 65 Months 4.19% $17.22 Receive a notification when this rate changes
66 to 75 Months 4.44% $15.29 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. 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.

Reviews

Very good customer service

5

Very good

Jamaica plain, Boston MA

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Prompt

5

I would recommend all to work with HFCU. Very easy, accommodating and efficient.

Boston, MA

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Super Service

5

every time I call with any question or issue I have it seem to just go away.......the staff and loan people are super and made me feel like the only custome the HFCU has thank you!!!

Medfield Ma

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Car loan with ease

5

Great rate, easy to work with. Customer service was great.

Billerica MA

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Getting a Loan an Enjoyable Experience?

5

Fast, easy, actually an enjoyable experience. Karen and Carol expressed genuine enthusiasm for MY car purchase and know their stuff! Extremely responsive, and all timelines as advertised...fast and easy. Very competitive rates, easy to set up payments, great online as well as in person service. Best loan experience ever.

Hanscom AFB Massachusetts

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It was a very pleasant experience.working with an expert.

5

It was a wonderful experience working with an expert in the loan business. A true keeper for your superior loan department.

massachusetts

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Love having a local bank!

5

Quick process and a great banker (Annita) made the loan super easy!

Reston

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couldn't be easier

5

Couldn't have asked for a better experience. I spoke to many people in different branches about a loan as i was looking for a car over the course of 6 months. The answers were always accurate and consistent with what i had heard before. Glad i went thru HFCU!

Massachusetts

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Slow service

3

It took me over 4 weeks to get approved for my car loan. Only one HFCU member contacted me and apologized the office was short staffed. It took way longer and was more difficult than expected.

MA

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Car Loan

5

The entire Billerica Staff was very professional and pleasant through out the loan process. I have also have been a member for 38 years. Through out the years I have always have had good experiences with Hanscom Federal Credit Union.

Dracut Ma

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Car Loan Reviews

4.9 462

98.6