Auto Loans

Whether you're shopping for a new or used car, recreational vehicle or motorcycle (or refinancing vehicles you already own to lower payments) HNCU has the auto loan rates and terms you deserve. Plus, our auto loans give you the option to finance GAP Insurance, Extended Warranties and other extras that protect your investment. Lower monthly payments on existing vehicle loans by refinancing your loan from another financial institution at HNCU's lower rates. If you have a low credit score or minimal credit history we can work with you on getting an auto loan that fits your needs. We'll help you build a positive credit record.

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*Rates and terms accurate as of 8/1/2019. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 60 months estimated monthly payment of $18.51 per $1,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 4.19%. Rate assumes LTV of 125% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $25,000 and cannot be more than 2 years older than the current year, with FICO score of 720+.

*Interest will continue to accrue on your loan. Subject to credit qualifications.  Loan must close at HNCU branch to receive 1 % cash back offer. 1 % cash back will be 1.00% of the loan proceeds which will be deposited in member’s account available for cash withdrawal after closing. Indirect dealer loans not eligible and limit of one rebate per vehicle. Limited-time offer, may be cancelled at any time. Offer not available on current loans held by HNCU. Refinances from other institutions or new loans only. May not be combined with any other offer.

Extra Protection You Can Finance in Your Loan:

Gap Insurance 

Gap Insurance offers big protection for a small cost. If your car is totaled before the loan is paid off Gap Insurance picks up the difference. You can't afford NOT to have it.

About Gap Insurance

Extended Warranty  

An Extended Warranty protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.

You don't have to purchase your warranty when you financed your auto loan with HNCU, but at any time during the life of the vehicle.
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These rates are current as of November 5, 2019. The rate you pay depends upon your credit history. All applications subject to credit qualification. HNCU may offer other rates in the future. * APR= Annual Percentage Rate