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 06-25-2019
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 06-25-2019
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 06-25-2019
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

Good process

5

Good rate. Easy process

Hanscom

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Great CU

5

Very easy to deal with and very responsive. You get one loan officer - not a bunch of call center people. My Lian officer was Sumita who took a personal interest in making sure things went well. I had a difficult car loan (bought through Carvana - don't recommend it) that had to be redone when I exchanged vehicles. Sumita stayed late to process the first loan and was more than accommodating when I had to redo the loan.

MA

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Fast and Easy

5

I've used HFCU for several loans and I always find the process very easy and quick.

Massachusetts

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HFCU Member Concierge Ms. Sylvia Carter

5

Ms. Carter is professional, efficient, knowledgeable, and an excellent communicator. She is an excellent HFCU concierge/representative.

Malden, MA

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Great service

5

Judy H. was great to work with - she was able to pay off the loan that I had through Toyota Financial Service even though I didn't have an account number yet since I had just purchased the car a day before. The rate was great too

Nashua, NH

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great job love the low rate

5

Great job, easy application and very quick turn around. Definitely use them again.

Boston, MA

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Simplay the BEST!!

5

The entire process was seamless and a pleasure! Maria @ JFK is fantastic! Informative, provided exceptional customer service and always with a smile!!

Central MA

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Great Service by Annita!

5

Annita was absolutely amazing in helping me with my loan products! Thank you for making it an easy transaction!

McLean VA

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Efficient and pleasant!!

5

Worked with Lauren who made every step easy!

Hopedale ma

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Working With HFCU on the car loan was seamless!

5

Abel was extremely helpful. He is very knowledgeable about the loan products, and all of the info that goes with that. He was easy to reach and very responsive to emails and voicemails. Abel is genuinely nice, and wicked smart!

Newton MA

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Car Loan Reviews

4.9 506

98.2