Your Adventure Awaits!

Enjoy a new ride with no payments for 90 days1

Vehicle Loans

Loans for cars, trucks, SUVs, vans, & motorcycles. Lock in your low rate today.

Navigate the Road to Ownership
 with Auto Loans and Auto Financing

Flexible Financing Options For You

Purchase or Refinance - Make No Payments for 90 Days

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 the loan. 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.


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 low 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. Please note: Leasing is only available at participating dealerships and we are unable to accept lease applications in our branches.  


Terms up to 7 years on new and used vehicles and financing up to 125% of TLTV (total loan-to-value).2

Lower Your Interest Rate

Arrange to have your loan payment automatically deducted from your savings, checking, or tiered money market account and we'll lower your interest rate by .25%.3  

Estimate Your Monthly Vehicle Payment

Financing Made Easy at Local Dealers

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. 
Man speaking with a car dealer in the showroom

Car Buying Resources Through AutoSMART

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 search AutoSMART's extensive vehicle database by make, model, type, and price
  • Get free auto record checks through TitleGuard, Carfax, or Experian's AutoCheck
  • Estimate the trade-in value of your car and find used vehicle values through Kelley Blue Book, NADA Guides, and Black Book
  • Read the latest auto reviews and ratings from JD Power, learn about rebates and incentives, and more
Laptop open with the AutoSMART website homepage on the screen

Find Your Next Set of Wheels

Learning Center

Get a Comprehensive Auto Insurance Review with HVCU Insurance Services, Powered by InsureOne®

Explore More Insurance Options

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan.


Credit Life & Credit Disability Insurance

If something should happen to you, your loan obligations could potentially place a burden on your family.


Ready to Apply?

Explore Further

What Your Neighbors Are Saying

  • Image of Smiling senior male
    HVCU Member
    60 Years
    …the process was straightforward and the customer service reps involved were all professional, knowledgeable, expedient and kind.

    Rating star-5 out of 5 stars.
  • Image of Smiling male wearing orange hat
    HVCU Member
    3 Years
    The experience in applying for the loan and getting it was smooth.

    Rating star-5 out of 5 stars.
  • Image of Smiling woman with blond hair
    HVCU Member
    7 Years
    I’ve had multiple car loans with HVCU and every time it was extremely easy and staff was very informative and helpful.

    Rating star-5 out of 5 stars.
  • Image of male wearing flannel shirt
    HVCU Member
    5 Years
    It’s just a great feeling to be treated like an important person like I was when I applied for this new car loan as was as my other loan for my truck and motorcycle!

    Rating star-5 out of 5 stars.
  • Image of female with colored hair
    HVCU Member
    4 Years
    I have no suggestions for this, my used vehicle was the car I leased. HVCU handled both ends of the transactions. They are a pleasure to do business with!

    Rating star-5 out of 5 stars.

We Are Here To Help

Important Legal Disclosures & Information

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.

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.

APR=Annual Percentage Rate. Rates for this product are as low as 5.75% subject to applicant credit and total amount financed. Rates are accurate as of 7/1/24, and are subject to change without notice. As 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.

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.