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Car Loans

Car loans and refinancing for cars, trucks, and SUVs

New/Used Car Loans

  • 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.

Apply for a New/Used Car Loan

Refinance your car loan

  • 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.

Get started

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

AutoSmart

Search, shop, finance. AutoSmart is your smart choice for stress-free car buying. Search for your car on AutoSmart.

Free Car Buying eBook

How to drive away happy. Download your copy.

Enterprise Car Sales

Shop Enterprise for haggle-free car buying and a huge inventory. Find your car at Enterprise.

Loan Payment Calculator

How much do you want to spend on your vehicle monthly?

3 year loan:
7 year loan:

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.

Car Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 09-19-2019
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.

Rate 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.

Real Reviews from Real Hanscom FCU Members

Car Loans

Read Reviews

Better Than a Lease

Read Reviews

great experience on my last auto loan...same for my new auto

5

The staff in the auto loan dept. made the process simple and efficient

Somerville, Massachusetts

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Great service once again

5

I've been a member since the mid 90s once again HFCU comes through! No need to bank anywhere else1

Uxbridge MA

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Thanks for such a painless loan application

5

It was so easy to work with the professional staff at Hanscom Federal Credit Union .They made this loan process so trouble free and professional .It was a pleasant experience to work with such professional competent professionals.

Ocala,FL

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Fast

5

Very professional

Dorchester

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Happy customer

5

Easy and seamless process from start to finish.

Boston, MA

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Great experience

5

It was a great experience

Brooklyn

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Easy switch from an existing loan

5

Maria was great to work with. We were able to handle pretty much everything by phone and email. Didn't have to go in to a branch. I bought a used car recently and switched my dealership provided financing over to a HFCU car loan and got a point and a half lower rate. I've worked with them for years and will continue doing so.

Malden, MA

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Excellent experience!

5

Working with William and Matthew at HFCU was one of the easiest and most pleasant experience I've had dealing with banks/loan processes. William was always quick to respond to my emails and right on top of handling my inquiries. Very impressed and highly recommend to anyone looking for an auto loan!

Bedford, MA

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Fast Easy and Great Customer Service

5

Ashley at the Mt. Auburn branch was extremely helpful. She answered all my questions and even offered to execute the paperwork signatures at a different branch over the weekend to allow me the option of finalizing the loan faster. Hanscom also gave me the best interest rate on my car loan. Overall a great experience!

Medford, MA

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customer service was not nice to me

1

representative told me "I don't make very much money".

norton,ma

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Car Loan Reviews

4.9 539

97.8

Great service fast and helpful

5

Have had a dozen or so loans through Hanscom always a great experience

Massachusetts

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Great Service!

5

Tammy was great, she was able to process my application in no time. She also explained to me the Better Than A Lease Program with details making sure that I understood the process from the beginning to the end.

Acton, MA

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Great service

5

This was a quick and easy process. I would recommend to my friends and family.

Massachusetts

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Excellent experience!

5

Staff was great and very friendly

Massachusetts

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Vehicle upgrade1

5

Excellent product and great customer service.

Watertown, MA

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Couldn't be easier

5

This is my 4th vehicle loan with HFCU and they are by far the best lending institution I have ever dealt with! They make the process beyond easy and Carol is the BEST!

Warren, RI

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I am very happy to have chosen Hanscom Federal Credit Union

5

I really like the representatives that have served me recently and throughout the 5+ years I have been with Hanscom FCU.

Brockton, MA

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Easy to work with

5

Very happy with Hanscom. People are very nice and very helpful. No one is pushy and all are interested in helping you the best they can. I'm a lifetime member.

Billerica Massachusetts

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Great program!

5

Great program! I had an upper hand with the dealers using this program. Super easy to use.

Maryland

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Affordable monthly payments made possible

5

Fantastic experience with Julie

New England

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Better Than a Lease Loan Reviews

5.0 30

100.0