Independence Day

On Friday, July 3, the following branches will be closed in observance of Independence Day: Concord, Natick, O'Neill, JFK, McCormack, Barnes, Coast Guard, and Moakley. All branch locations will be closed on Saturday, July 4, 2020. Our Concord branch will also be closed on Monday, July 6. 

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 07-04-2020
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 2.74% $22.02 Receive a notification when this rate changes
49 to 65 Months 2.94% $16.66 Receive a notification when this rate changes
66 to 75 Months 3.19% $14.72 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

Financing: The easy part of my car-buying experience!

5

Easy online application process with a quick response on approval. I'm pleased with the terms of my auto loan and the member services representative that worked with me was fantastic.

MA

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Excellent experience

5

Excellent customer service, fast loan approval.

Boston

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Great!!

5

I refinanced my car loan with a great rate and it was so easy to apply. The branch manager was very capable and it got done right away.

Boston MA

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Great service

5

Easy to apply for and receive loan. Staff were very helpful.

Tyngsboro, MA

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So smooth

5

All loan officers and service representatives were friendly, professional, and a pleasure to work with.

Melrose

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Excellent experience yet again!

5

I was offered an incredible rate to buy my lease out. Everything was taken care of online, and done in short order! Julie B. is outstanding!!! I love HFCU!

Tamworth, NH

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Great job by all involved with the loan process, kudos!!!!

5

Sue, Julie, Jason, Joe, Ken, were instrumental in the auto refinance process in some way, shape, and form and lastly I can't leave out Olga, who has helped me out on issues in the past at your old location in Beverly.

Danvers, Ma.

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The process was simply fantastic!

5

It was so easy to refinance our car loan to a lower apr . HFCU was fantastic and we highly recommend them.

Estero Florida

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Quick and easy!

5

Excellent process from beginning to end! Thank you HFCU for helping my wife and I secure an auto loan!

New Hampshire

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Refinance offer

5

Very happy with the service and speed!

Newton, MA

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Car Loan Reviews

4.9 607

98.2

Very good

4

It was a very good experience. Loan officer was prompt in returning calls and texts, but unavailable from Friday evening to Monday morning. Understandable, but I happened to go car shopping on a Saturday. Everything was taken care of. There were a couple questions never answered.

MA

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Fast and easy!

5

Collin at the Natick branch was great with my "better than a lease" loan. She outlined everything clearly, was quick at answering any questions and getting a quick loan approval/check.

MA

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Iconic experience

5

Anita is amazing!! She was very proficient and patient! She did everything she could to make sure I was taken care of expeditiously and with excellent customer care. She was always available and made the process super easy!!

Dalla,Tx

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Great program

5

This is a great program. Very flexible and plenty of options. Sara was great. Responsive and and efficient.

Massachusetts

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Such an easy process!

5

This is my 2nd Better Than Lease Loan with HFCU. I got pre-approved so that I knew what I could afford. Carol contacted me to let her know when I found my Jeep. Well, I found my 2018 Jeep Rubicon a week later on Saturday and I picked it up on that next Tuesday. The over all process is so easy and stress less! All my accounts are with HFCU and will stay will HFCU!! Thank You :)

Billerica, MA

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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

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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

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Great service fast and helpful

5

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

Massachusetts

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Better Than a Lease Loan Reviews

4.9 39

100.0