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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. You can also 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.
  • Terms up to 7 years dot
    Make no payments for 90 days2 when you purchase or refinance your vehicle with us. Learn more about how refinancing your loan from another institution could save you hundreds or even thousands of dollars over the life of your loan.
  • 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).3
  • Get pre-approved before you shop 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%.5
  • Arrange to have your loan payment dot
    Get a comprehensive insurance review with HVCU Insurance Services to ensure you’re getting the coverage you need at the most affordable price. Request a Review.

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What to Expect When Applying

 

Auto, Truck, & Van Loan Rates

Models 2019 & Newer
Fixed APR
1.99%
Models 2015 - 2018
Fixed APR
3.04%
Models 2012-2014
& Vintage/Classic Vehicles 25 Yrs+
Fixed APR
5.94%

View all APRs and disclosures

 

Obtain vehicle financing directly at any of the dealers in our partner network. You can also start your application online or in a branch and then finalize at a dealer. Whichever you prefer, you’ll still receive the same low rates and flexible financing terms. Be sure to tell the dealer you want to finance your loan with HVCU, and we’ll send payment directly to them — and also coordinate your title and lien.

 

Search for dealers in our network

 

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.

 

 

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

1Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle loans. Total amount financed, term, and use of either MSRP or factory invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book values for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing. The stated rate is discounted by .25% and includes 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.
2This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU vehicle refinances, vintage vehicles, and leases are not eligible for the offer. No exceptions will be made or considered. Finance charges will continue to accrue and will be included in the first regularly scheduled payment, which will begin 90 days following loan closing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you.
3As an example, an 84-month new auto loan with a fixed rate of 4.79% APR would result in a payment of $14.04 for each $1,000 financed.
4Apply for a vehicle non-HVCU refinance and we will meet or beat, by up to 1%, the rate you are currently paying upon presentment of valid proof of your current loan rate plus deposit $200 into your account. Minimum loan amount is $10,000. Rate will never be below 2.24% APR (or 1.99% APR with auto pay) for vehicle refinances. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle refinances. Total amount financed, and term, is based on an evaluation of application credit. NADA book values are used to determine vehicle value. To be eligible for meet or beat rate plus the $200 deposit, a complete loan application must be received between 12:01am May 12, 2021 and 11:59pm on September 30, 2021, and the refinanced loan must close within 30 days of receipt of application. Not available for HVCU refinances. No exceptions will be made or considered. The $200 will be credited to primary borrower’s primary savings account within 14 business days after closing. Limit one $200 deposit for each vehicle loan refinance. Offer may not be combined with any other offers or discounts unless otherwise expressly noted. May be subject to IRS reporting. Consult a tax professional as to reporting requirements, as this offer is not intended to provide tax advice or guidance. This offer is not guaranteed if your account is not in good standing and if you do not meet our credit criteria and/or underwriting criteria. Offer may be withdrawn at any time by HVCU without further notice to you. Visit hvcu.org for current rates and further information. The discounted rate of .25% includes 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.
5 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.

 

 

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