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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 days1 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).2
  • 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%.3
  • 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 2021 & Newer
Fixed APR
Models 2017 - 2020
Fixed APR
Models 2014-2016
& Vintage/Classic Vehicles 25 Yrs+
Fixed APR

View all APRs and disclosures

Home Financing Guide
FREE First Time Car Buyer Guide

Buying your first car is exciting, but if you aren't prepared, it can feel very intimidating. No matter how close you are to getting new wheels, grab this free guide to help you through the entire process. Find resources to help you consider what type of car you need, decide where to purchase it, understand the initial and ongoing expenses, and much more. Get the guide.


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.


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1This 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.
2As an example, an 84-month new auto loan with a fixed rate of 6.99% APR would result in a payment of $15.09 for each $1,000 financed.
3 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.