Temporary Changes to Branch Availability

Please note: Masks are required while doing business in the branches. Click here to see temporary changes to branch availability at our MITRE Bedford, MITRE McLean, Bedford, South Bay, Moakley, O'Neill, and McCormack branches.

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 10-31-2020
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

this is my bank they are the greatest

5

Jamie is the best to work with. You always have the best people working with you guys

duxbury ma

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Awesome Service!

5

I re-financed my auto loan with Hanscom recently and it was the easiest, quickest, painless process I have ever gone through. The representative (Julie) was awesome to work with, she knows her stuff!

Beverly MA

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Great experience with Nina

5

I have had nothing but a great experience with Nina S. She was patient and very knowledgeable of your services.

Cambridge

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Auto Loan

5

Excellent experience from start to finish!

Burlington MA

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Customer service was excellent,

5

Customer service was excellent. Sumita was very pleasant and knowledgeable. Made the loan process very easy and painless.

North Andover, MA

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Easy to apply. Quick response.

5

Easy to apply. Quick response. Friendly employees.

NH

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Great experience getting a car loan!

5

Lauren Cameron was fantastic. Lauren was super patient with me asking many questions and I had several as this was my first time applying for a car loan. She couldn't have been nicer or easier to work with!

Bedford, MA

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Superior financial products, great service!

5

Excellent product, far superior to typical banks!

Framingham, MA

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EASY and EFFICIENT process - thank you!

5

It was so quick, easy, efficient. Nadaje was wondeful to work with and kept me informed along the way. And, she checked in just after to see how things were on my end with my previous bank.

Massachusetts

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Excellent rate and payment term

5

I was very happy with my auto-loan experience. Julie made a complicated transaction quick and simple despite the other parties being in different states. I received a great rate and reasonable payments due to being given a longer note term than I expected to receive for my 2017 vehicle.

Little Compton, RI

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Car Loan Reviews

4.9 658

98.0

Easy Peasy transaction

5

Easiest and most efficient car transaction I've ever had. Highly recommended

Burlington MA

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Easy

5

Jenn at the Devens Branch was helpful, and great to work with.

Pepperell Ma

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Fast and easy

5

Fast friendly easy to apply

Derry

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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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Better Than a Lease Loan Reviews

5.0 42

100.0