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. Get started.

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 03-30-2020
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 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
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.

Real Reviews from Real Hanscom FCU Members

Car Loans

Read Reviews

Better Than a Lease

Read Reviews

Very Easy

5

Very Easy

Mass

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Smooth

5

Jane was very helpful expediting the process.

Lexington, MA

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Amazing customer service

5

Worked with Carol, who was super patient. I was missing some paper work, because it was a refi, and my original loan was still in process. Carol gave me a clear checklist, and had everything ready to go. Before I could blink, the loan appeared on my standard HFCU dashboard and my former loan showed a zero balance, saving me quite a bit of interest.

Sunnyvale, CA

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Great Assistance

5

I was extremely pleased with the entire process from start to finish. Sarah was helpful, available and there to answer all my questions as well as walk me through the process step by step.

Boston MA

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Excellent easy and friendly

5

N/A

Atlanta

true

Love Hanscom 30 year member! Member for life

5

Carol is awesome

Florida

true

Car Loan Experience

5

Working with Julie in the Beverly branch was very convenient. She was helpful and quick with the information I required. when my loan went through I was unable to make it into the branch in Beverly she we work out another plan for Saturday to go to the Burlington Branch and work with Austin, who also was awesome and friendly and processed everything I needed to completed the transactions. Thanks Julie and Austin.

Boston

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Fast and easy

4

Thank You HFCU for what you do and making the process uncomplicated and understandable

Massachusetts

true

Easy Process

5

I want to thank Sara K. for her time and efforts to deliver the right car loan program to fit my needs. She provided every detail needed to select the best option. Always professional and helpful. Five Star Customer Service!

Newton

true

Excellent service

5

Karen was super helpful she made the loan process very easy and quick.

Pittsfield,MA

true

Car Loan Reviews

4.9 585

98.1

Best lease out there

5

Since I began using this program years ago recommended by a staff member, I have no regrets, Hanscomb has the most profesional staff, very helpful, friendly, and humble, I recommend this bank and lease program to all.

Fort Hood, Texas

true

So fast and easy

5

Absolutely the easiest process for any banking product I've ever done

Westwood, MA

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Best experience with applying for a loan

5

Very easy and convenient process with Matt.

Waltham, MA

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Excellent value and awesome member service

5

Ciara was absolutely amazing to work with she provided everything I needed was pleasant and efficient. Couldn't be more satisfied

Framingham ma

true

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

true

Excellent experience!

5

Staff was great and very friendly

Massachusetts

true

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

true

Better Than a Lease Loan Reviews

5.0 34

100.0