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Auto Loans

If you are buying a car, truck, SUV, or van, the low rates and flexible terms we offer help to keep your payments affordable. Apply at a branch, online, or at the dealership – wherever is most convenient for you.
 

No Payments for 90 Days* When You
Purchase or Refinance Your Vehicle

two women in a car


* Qualified applicants must submit vehicle loan applications by 12/31/2018, and close by 1/31/2019 to receive offer. HVFCU vehicle refinances, vintage vehicles, and leases are not eligible for the offer. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. Offer may be withdrawn at any time. Finance charges will continue to accrue and will be included in the first regularly scheduled payment, which will begin 90 days following loan closing. Other restrictions may apply.
 

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  • Terms up to 7 years dot
    Terms up to 7 years on new and used vehicles and financing up to 125% of LTV (total loan-to-value).1
  • Get pre-approved before you shop dot
    Get pre-approved before you shop – it’s like having cash in hand. Plus, the 30–day approval lock gives you time to shop for the vehicle that best fits your personality and lifestyle.
  • Arrange to have your loan payment dot
    Arrange to have your loan payment automatically deducted from your savings, checking, or money market account and we’ll lower your interest rate by .25%.2
  • Refinancing your auto loan dot
    Refinancing your auto loan from another institution could save you hundreds or even thousands of dollars over the life of your loan. Find out how.

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What to Expect When Applying

 

Auto, Truck, & Van Loan Rates

Models 2016 & Newer
Fixed APR
2.49%
Models 2012 - 2015
Fixed APR
3.04%
Models 2009-2011
& Vintage/Classic Vehicles 25 Yrs+
Fixed APR
5.94%

View all APRs and disclosures

 

The Credit Union Direct Lending AutoSMART website has extensive resources and tools for members looking to purchase a vehicle. AutoSMART can help you research your next vehicle purchase and actually locate the specific car you want to buy.

  • Search over 2,000,000 vehicles at over 12,650 dealers nationwide.
  • Locate auto dealers in specific geographic areas or vehicles by make, model, type, and price.
  • Get free auto record checks through TitleGuard, Carfax, or Experian’s AutoCheck.
  • Find used vehicle values through Kelley Blue Book, NADA Guides, and Black Book.
  • Read the latest auto reviews and ratings from JD Power

View all that AutoSMART offers.

 

If you love that new car smell, but don’t want the responsibilities of long-term maintenance, consider leasing your next vehicle. Unlike a purchase, most leases allow you to drive a new car every two to three years for a lower monthly payment. In general, if you drive less than 15,000 miles per year, leasing may be the right choice for you. You can lease a car through our dealer network, and some dealers may offer special incentives that can make leasing even more affordable.

 

Advantages and Disadvantages of Leasing

 

Use our search tool to help narrow down your vehicle choices.

 

 

 

We offer additional services to insure and protect your vehicle investment.

Useful Resources

Get a free credit report review from BALANCE. Their counselors are certified to review credit reports and can help make sense of what is in your report.

 

Explore further

1 As an example, an 84-month new auto loan with a fixed rate of 6.14% APR would result in a payment of $14.68 for each $1,000 financed.
2 Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.

 

 

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