Car, Truck & SUV Loans at Low Rate | HFCU - Hanscom Federal Credit Union

More Smiles per Gallon

Want to get pre-approved for your next purchase? Have a higher-rate vehicle loan to refinance?

Save with a great rate on an auto, truck, or SUV loan from Hanscom FCU!

Same rate on new or used
Finance up to 120% of purchase price

No application fees or title transfer fees
Flexible payment options - weekly, biweekly or monthly

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Check Auto Loan Rates

New and 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.

Start Your Refinance Application

Shop For Your Next Car

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 of Smart Auto Financing.
Enterprise Car Sales
Shop Enterprise for haggle-free car buying and a huge inventory. Start shopping Enterprise vehicles.

Loan Payment Calculator

Enter a loan amount and see how affordable your monthly payment will be at various loan terms.

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84 months

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Car, Truck & SUV Loan Rates

Table data for New and Used Car Loan Rates
Rates effective 07-15-2025
	Annual Percentage Rates (APR) as low as:¹	Payment per $1,000²	Alert Me
Up to 24 Months	5.74%	$44.20	Receive a notification when this rate changes

25 to 36 Months	5.74%	$30.30	Receive a notification when this rate changes

37 to 48 Months	5.74%	$23.37	Receive a notification when this rate changes

49 to 65 Months	5.94%	$18.03	Receive a notification when this rate changes

66 to 75 Months	6.44%	$16.23	Receive a notification when this rate changes

76 to 84 Months	7.49%	$15.33	Receive a notification when this rate changes

Apply now			Receive a notification when this rate changes

Bi-weekly payments are available. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. 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 and First Responders. Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps) First Responders would be defined as follows: Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers
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. ↵

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First Responders & Active Duty Discounts

Your service to our country and community means so much to us. For your dedication and patriotism, we extend the following discounts to you.

0.25% rate reduction on personal automobile loans
$500.00 closing cost discount when closing a first mortgage loan (Discount is capped at $500 per loan)

First Responders would be defined as follows:
Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers

Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps)

Check a Vehicle’s History Before You Buy

Free CARFAX Vehicle History Report^® to help protect our members from salvage, total loss, structural damage, lemon, and flood vehicles. Your branch representative will be happy to share a CARFAX Vehicle History Report with you.

More About CARFAX

More Peace of Mind

When the road turns rough, car insurance and loan protection can help you get back to a smooth ride. Accidents happen, cars break down and if you get hurt or sick and can't work, the last thing you may think about is your loan payment.

Payment protection
If you get hurt or sick and can’t work, you might not be able to make your car payment. Debt protection makes sure you don’t have to worry. Debt protection can cover your payment if you’re out of work for an extended period of time.
Mechanical Breakdown Protection
Like an extended warranty, MBP can enhance or even replace the manufacturer’s warranty and cover breakdowns and repairs, so you don't have to stretch your budget when your car is in the shop.
GAP Coverage
If your car is totaled in an accident, your insurance may not cover the entire balance of your loan, especially if your car is new. GAP coverage can cover whatever is left after your insurance company cuts their check.