Receive $300 When You Refinance a Car Loan or Personal Loan*
Get $300 cash back when you refinance your loans (from another institution) of $10,000 or more between November 15, 2021 and January 14, 2022.*
You may want to consider refinancing if:
- Your credit has improved since you opened your loan.
- Your current rate is higher than the rates we offer.
- You want a longer term and lower monthly payments.
- You want a shorter term so you can pay the loan off sooner.
Apply For a Car Loan online
Apply for a personal loan online
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*Refinance your vehicle or personal loan with HVCU and we will deposit $300 into your account. Offer does not include HVCU vehicle loan refinances, HVCU personal loan refinances, or lease buyouts. Minimum loan amount is $10,000. 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 and the selected term for personal unsecured fixed term (signature) loan 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 the $300 deposit, a complete loan application must be received between 12:01 am on November 15, 2021 and 11:59 pm on January 14, 2022, and the refinanced loan must close within 30 days of receipt of application. The $300 will be credited to primary borrower’s primary HVCU savings account within 14 business days after closing. Limit one $300 deposit for each vehicle loan refinance and one $300 for one personal loan refinance, regardless of the number of personal loans you refinance with us. Offer may not be combined with any other offers or discounts unless otherwise expressly noted. May be subject to IRS reporting. Consult a tax professionalas 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 Offer may be withdrawn at any time by HVCU without further notice to you.The discounted rate of .25% includes a requirement that loan payments are automatically transferred from your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.
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.
2This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU personal loan refinances 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.
4As an example, a 5-year, 12.24% fixed rate signature loan for $15,000 would result in 60 monthly payments of $343.14.