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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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Loan Type  Annual Percentage Rate (APR)  Term  

Auto Loans

New, used and refi
As low as*
Up to
72 months 
Apply Online

Recreational Vehicle

New and used
As low as*
Up to
120 months 
Apply Online

New Motorcycle

New, used and refi
As low as*
Up to
60 months 
Apply Online

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2.49% APR Auto Loan and No Payments for 60 Days 1% Cash Back



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. For new car terms of 60 months estimated monthly payment of $17.97 per $1,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 2.99% APR. 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 760+.
* APR = Annual Percentage Rate. Interest will continue to accrue on your loan. New loans or refinances from other institutions only. Offer not available to current loans held at HNCU. Offer cannot go below current floor rate. Financed amount cannot exceed 120% of the NADA retail value. Offer subject to credit approval. Limited time offer. 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.
Request a Quote


These rates are current as of February 19,  2021. 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


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