*uChoose Rewards is now available within the Card Management feature of your Online account.
We're always here for our neighbors. That's why, when you choose HRCU for your auto loan, we'll help you find what works best for you together.
View your best options for when you want to shop at a dealership, refinance your current auto loan, buy out your lease or from a private seller, or are a first-time car buyer. We've got you covered.
Already Applied Online? Check Your Status
Already heading to the dealership? Not to worry. HRCU's got you covered! Get your HRCU auto loan by applying directly at our partner dealerships.
Just ask the dealer for HRCU financing, or click the Shop for My Car button to get pre-approved.
Don't worry, you'll still experience all of the perks and benefits of banking with HRCU, including exclusive member discounts* and up to 90 days with no payments.**
Refinancing your existing auto loan with HRCU when you want to decrease your monthly payments, change to better short-term or long-term payments, or pay off your loan sooner.
Refinance My Car Calculate My Payments
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2022 - 2025 | 0 - 48 Months | 4.74% | 125% LTV | $5,000 | $22.91 | Apply Now |
| 49 - 63 Months | 4.74% | 125% LTV | $15,000 | $18.08 | Apply Now | |
| 64 - 75 Months | 5.49% | 125% LTV | $20,000 | $15.78 | Apply Now | |
| 76-84 Months | 6.49% | 125% LTV | $20,000 | $14.84 | Apply Now | |
| 2016 - 2021 | 0 - 48 Months | 4.99% | 125% LTV | $5,000 | $23.02 | Apply Now |
| 49 - 63 Months | 4.99% | 125% LTV | $15,000 | $18.19 | Apply Now | |
| 64 - 75 Months | 5.74% | 125% LTV | $20,000 | $15.90 | Apply Now | |
| 76 - 84 Months | 6.74% | 125% LTV | $20,000 | $14.97 | Apply Now | |
| 2015 - 2016 | 24 - 63 Months | 9.24% | 100% LTV | $5,000 | $20.09 | Apply Now |
*APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR and term is based on evaluation of credit worthiness, ability to repay, and membership qualifications. Standard underwriting guidelines apply. Rate(s) listed include a .50% HRCU Member Loyalty Discount. To qualify for Loyalty Discount, applicant must have an active HRCU checking account with debit card and direct deposit or establish the qualifiers at the time of loan closing. Promotional rate is eligible for vehicle refinances only. Internal refinances are eligible for existing HRCU auto loans opened for a minimum of four (4) months prior to refinance. Additional rates and terms available. Limited time offer. Rate promotion is subject to change without notice. For additional information, contact HRCU at 877-895-6840.
Are you interested in buying out your current lease or purchasing from a private seller?
If you're looking for a hassle-free and personalized banking experience, we recommend applying directly for an auto loan with HRCU. Our dedicated team is here to assist you throughout the process and ensure that your banking needs are met with utmost convenience.
Buy Out My Lease Calculate My Payments
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2022 - 2025 | 0 - 48 Months | 5.49% | 125% LTV | $5,000 | $23.25 | Apply Now |
| 49 - 63 Months | 5.49% | 125% LTV | $15,000 | $18.31 | Apply Now | |
| 64 - 75 Months | 5.99% | 125% LTV | $20,000 | $16.02 | Apply Now | |
| 76 - 84 Months | 6.99% | 125% LTV | $20,000 | $15.09 | Apply Now | |
| 2016 - 2021 | 0 - 48 Months | 5.74% | 125% LTV | $5,000 | $23.37 | Apply Now |
| 49 - 63 Months | 5.74% | 125% LTV | $15,000 | $18.42 | Apply Now | |
| 64 - 75 Months | 6.49% | 125% LTV | $20,000 | $16.26 | Apply Now | |
| 76 - 84 Months | 7.49% | 125% LTV | $20,000 | $15.33 | Apply Now | |
| 2015 - 2016 | 24 - 63 Months | 9.49% | 100% LTV | $5,000 | $20.22 | Apply Now |
*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2015 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 603-332-6840 for more information.
First-time car buyer? Our rates and terms for first-time car buyers are miles better than those at the dealerships.
Plus, we can teach you what you need to know about our other services and benefits such as gap policies and extended warranties.
Call us or come in and see us before you go car shopping!
Auto Loan Disclosure:
*To qualify for the HRCU Member Loyalty Discount, applicant must have an active HRCU checking account with a debit card and direct deposit or establish the qualifiers at the time of loan closing. The 0.50% discount applies to all consumer loans, excluding VISA, personal lines of credit, real estate loans and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Applicant must meet membership guidelines. Standard underwriting guidelines apply. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice.
**”Up to 90 Days without Payments” feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the Up to 90 Days Without Payments feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the Up to 90 days without Payments offer.
New to the car-buying process? Check out our blog laying out the 6-step process to buying a car, from setting your budget to the second you drive off the lot.
If you live, work, go to school in the State of New Hampshire or York County, Maine or have an immediate family member that is a current member, you are eligible to join HRCU.
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