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Refinance Your Car Loan

More Smiles per Gallon

Are you paying too much on your monthly car payment?
HIt the brakes on high car payments 

  • 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

Apply Now

Check Auto Loan Rates

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

Car, Truck & SUV Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 06-28-2026
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
2024-2026 Vehicles
Up to 66 Months		 3.99% $16.96 Receive a notification when this rate changes
2024-2026 Vehicles
Up to 78 Months		 4.49% $14.87 Receive a notification when this rate changes
2024-2026 Vehicles
Up To 84 Months		 5.19% $14.29 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 66 Months		 4.39% $17.15 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 78 Months		 4.89% $15.06 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 84 Months		 5.59% $14.49 Receive a notification when this rate changes
2019 and Older
Up To 66 Months		 5.09% $17.48 Receive a notification when this rate changes
2019 and Older
Up To 78 Months		 5.59% $15.40 Receive a notification when this rate changes
2019 and Older
Up To 84 Months		 6.59% $14.98 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, RV and Boats) to current active duty members in the U.S. Military and First Responders. Hanscom FCU also offers a 0.25% discount for Hybrid/EV vehicles and up to a 1% discount based on loan-to-value (LTV).

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. ↵

Not ready to apply? Our team is available to answer your questions.

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Complete the form below and a member of the team will contact you and evaluate your existing loan with no obligation.






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