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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*
4.19%
Up to
72 months 
Apply Online

Recreational Vehicle

New and used
As low as*
4.39%
Up to
120 months 
Apply Online

New Motorcycle

New, used and refi
As low as*
4.49%
Up to
60 months 
Apply Online

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Icon of CarAuto Link - Auto Research & Car Buying Tools

Icon of CarEnterprise Car Sales

*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+.

 

 

 

$200 Cash Back Offer From Enterprise Car Sales

   Enterprise Car Sales will fulfill $200 offer. Horizons North Credit Union will deposit $200 to your primary HNCU share savings account within 45 days of
   financing the vehicle. Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Offer not valid on previous Enterprise Car Sales
   purchases. Cannot be combined with other offers. Offer only good on Enterprise Car Sales vehicles that have been financed by HNCU. Subject to
   credit qualifications. Limited-time offer. Valid 07/01/2019 – 09/30/2019.

 

 

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

Route 66 Extended Warranty  

A Route 66 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.

With the Route 66 Extended Warranty's Open Enrollment 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 February 1, 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

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