Refinance Your Auto Loan
For a limited time only, refinance your auto loan for as low as 4.74% APR for up to 60 months.*
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.
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- Exclusive member discounts
- Available for new or used vehicles
- Fast and easy application process with same-day decisions
- Weekly or bi-weekly payments are also available
- Loan will be held and serviced right here at HRCU
Auto Refinance Rates
| 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.
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