Car Loans

Car, Truck and SUV

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. 

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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

New and Used Cars, Trucks and Vans

  •  Rates effective 01-17-2017
Annual Percentage Rates (APR) as low as: Payment per $1,0001 Alert Me
Up to 24 Months 1.74% $42.43
25 to 36 Months 2.24% $28.75
37 to 48 Months 2.44% $21.89
49 to 65 Months 2.69% $17.83
66 to 75 Months 2.94% $15.17
76 to 84 Months 4.74% $14.01
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Contact Member Services at 800-656-4328 for rate details. Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible.
  • 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:
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Better Than a Lease Loan

  •  Rates effective 01-17-2017
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
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.

New and Used Boats, Motorcycles and RVs

  •  Rates effective 01-17-2017
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 1.74% $42.43
25 to 36 Months 2.24% $28.75
37 to 48 Months 2.44% $21.89
49 to 65 Months 2.69% $17.83
66 to 75 Months 2.94% $15.17
76 to 84 Months 4.49% $13.90
Apply for a Loan Online
  • 1APR=Annual Percentage Rate.
  • 2Rates shown are for members with the best credit profile. Other rates are available, based on your credit history.

Reviews

REVIEW SNAPSHOT®

by PowerReviews
HFCUCar Loan Reviews
 
4.9

(based on 158 reviews)

Ratings Distribution

  • 5 Stars

     

    (150)

  • 4 Stars

     

    (6)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (1)

Most Liked Positive Review

 

"Used" truck loan

Got a 2900.00 loan from HFCU in 1976 for a used mobile home. Done almost all my banking with them the last 40 years. HFCU has always been friendly, fair and provided world...Read complete review

Got a 2900.00 loan from HFCU in 1976 for a used mobile home. Done almost all my banking with them the last 40 years. HFCU has always been friendly, fair and provided world class service. In the last 20 plus years with on line banking, I have found the HFCU web site to EASILY be the most trouble free and least "down" site of any service my wife and I use. Recently I bought a new Nissan truck and they would not give me the lowest price unless I let them finance it so I did and turned around in a few months and refinance with HFCU as a used truck and STILL saved money. The process was handled beautifully. I would add that although I am 2 thirds of the way across the country from HFCU, I have had zero problems with a checking, savings and credit car there. The customer service folks are on top of things and completely professional. Not to mention loans for cars, swimming pools, you name it. HFCU is as good a organization as I have dealt with. And the we site folks are the best of the best. I have NEVER had a second thought about remaining with HFCU. I am a customer for life.

VS

Most Liked Negative Review

 

Auto loan

Had a great experience up until the final review came. Went online and filled out all my information. Was called twice to ask more information. Was told by two people back to back...Read complete review

Had a great experience up until the final review came. Went online and filled out all my information. Was called twice to ask more information. Was told by two people back to back everything looks good. Then No call in 24 hours like I was told. Called in and the loan processor who was appearance working on my loan was available so they transferred me to her then she was busy had to call me back. Called me back to tell me that the vehicle I choose was to old with too many miles. So I then asked what if I took the loan out on my current truck with is paid off that I have the title for with only 60k miles since I would only be looking for half of what it was worth and I was then told I need a qualified co buyer. So when I asked the question I was proceeded to be told about everything that was bad on my credit. I have had many car loans in the last 10 years and only decided to try Hanscom because one of my coworkers used them and was pleased with there rate. I will NOT recommend them to anyone. One I told the loan processor I didn't need to be told what was bad on my credit (2 credit card payments had gone past due) to lets look at the good auto loans I have had she responded with she was just doing her job telling me why I needed a Qualified CO-BUYER. I wish I new this sooner I wouldn't of wasted an inquiry on my credit burro. I could have just gone thru my local credit union which I have had 3 perfect auto loans with and not had to have wasted my time applying or even writing this review.

Reviewed by 158 customers

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5.0

Review

By 

from Bedford

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

Car Loan:: I have been dealing with Cynthia G.;-who has done a magnificent job for mCindye! She is most professional ,courteous and helpful with any and all questions I have had. Thank you, Cindy! Best,John

 
5.0

Great Laon Officer

By 

from Boston

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

I am an auto dealer in Worcester, REM Auto Sales. I have been working with Heather over the past few weeks on several auto loans for our store and she has been EXCELLENT!!! & Very easy to work with. I just wanted to give a shout out to her employer that Heather is a great worker and she does a great job for the CUDL customers over here at REM Auto Sales Inc Thanks Again Heather! MarkG at REM AUTO dc

 
5.0

Car Loan

By 

from MA

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

This loan was about my 6th or 7th from the Credit Union. With all the new technology this loan was quicker and easier. KIm was my Representative she was ausome. She went out of her way to accomodate my needs.

 
5.0

loan

By 

from lowell

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

Excellent service Cindy is one of the best loan officer I have ever dealt with she very professional and helpful got me incredible rates and from this point on I will and recommend to do business with Hanscom thanks so much great job

 
5.0

CAR LOAN

By 

from LOWELL, MA

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

ANNA THE MANAGER AT THE BURLINGTON, MA LOCTION WAS SO HELPFUL SHE MADE TEH PROCESS EASY AND SMOOTH
THANKS TO HER HELP

 
5.0

Car loan

By 

from Hanscom AFB

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

I worked with the bank manager Carol for this loan. She was absolutely wonderful. Every time I come in the credit union to conduct business I always leave pleased. The staff is friendly and this is a reflection of the atmosphere the manager Carol sets her people.

 
5.0

Excellent service

By 

from Hyde Park

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

I recently refinaced my car with HFCU the service was excellent and fast.

 
5.0

car loan (s)

By 

from canton

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

Rhonda was very helpful and made the process very easy and quick

 
5.0

Car Loan

By 

from Hanscom

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

What an easy process to obtain a car loan. Documents are all signed electronically and the process was a breeze. Thank you!

 
5.0

Car Loan Review

By 

from McLean

Verified Buyer
Site Member

Comments about HFCU Car Loan Reviews:

Great experience getting a car loan from Hanscom! Very happy with the personal and helpful service. And saved me money as well!

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