Auto Loans

HACU auto loans and ratecalculations

Flexible Auto Loans and Rates at HACU

Move forward with the best auto loan

Car Inspections before Requesting Auto Loans

Ready to buy?

At Healthcare Associates Credit Union (HACU), we offer competitive low APR auto loans for healthcare workers, including nurses and students. Our car loan rates and programs cater to buyers interested in used cars and first-time car buyers. Located in Metro Chicago, we are committed to ensuring that you find the perfect auto financing solution to meet your needs and determine the optimal auto loan choice from our selection. Choose from our offerings: the Conventional Auto Loan, the BuyersChoice Auto Loan Program, or the First Time Auto Loan Program. For assistance, rely on our affiliated partners, Enterprise Car Sales for pre-owned vehicles, or CarQuotes for a comprehensive range of both new and used cars.


Conventional Auto Loan

With our auto loan, our competitive rates and flexible terms put you in the driver's seat to choose a plan that fits your budget. Advantages of an auto loan through HACU include: 

Setup for loan program

  • Low-rate loans on new and pre-owned vehicles
  • Flexible terms up to 84 months
  • 100% Financing
  • 90-day first payment deferral available
  • 0.25% Member Loyalty Discount on our current rates for members who have or had an Auto loan with us for up to one year from your loan pay off date. 
  • Get a great rate and still receive dealer rebates & incentives**



BuyersChoice Auto Loan Program

The loan that empowers buyers with options tailored to their preferences. In today's market, we seek products that align with our individual requirements. Should one opt for a new car, a used vehicle, or perhaps a leased automobile? Through HACU's BuyersChoice Auto loan, we've successfully granted our members the best of both realms.

Similar to a lease, HACU's BuyersChoice program presents affordable monthly payments. However, unlike traditional leases, BuyersChoice offers elevated mileage thresholds: 7,500, 10,000, 12,000, 15,000, or 18,000 miles per year, all while retaining ownership of the vehicle. This ownership translates to the freedom to sell, trade, refinance, settle the loan, or even return the vehicle when the loan matures, allowing you to simply "walk away." 

Let's recap:

  • Low payments - Payments up to 40% lower than conventional financing
  • New and used vehicles qualify (Up to 5 years old)
  • Little to no down payment
  • No upfront fees
  • You own the vehicle with the title in your name
  • Higher mileage options compared to typical leases
  • Loan terms up to 72 months
  • Options to sell, trade, refinance, or payoff at any time
  • Walk away at loan maturity with no strings attached

BuyersChoice is available for all vehicles up to 5 model years old. Use our BuyersChoice Calculator to see if this option is the perfect fit for you. It's time to boost your buying power and reduce your monthly loan payment!



Vehicle buying considerations









First Time Auto Loan Program

Are you a newcomer to the lending sphere with limited or no credit history? Are you in the market for your first vehicle purchase? Allow us to assist you through our First Time Auto Loan Program, tailored for individuals who are prepared to take the leap into acquiring their first car. 

  • Low rates
  • Manageable terms - Up to 60 months
  • Free online educational platform to help guide you through your financial health - Enrich Financial Wellness
  • Excellent way to establish a credit history
  • Must be employed and with current employer for at least 6 months
  • Set up automatic loan payments from your checking account
  • Learn more about getting your first car in our Auto Loan Resource Center



Low interest rate at HACU

Shopping for a car?       Car Quotes Logo    Enterprise Car Sale Logo

Save time and money with CarQuotes "Know Before You Go" pricing on new and used vehicles.

Also, be sure to check out Enterprise Car Sales where you'll find “no-haggle” used car pricing and where every vehicle includes a 12-month/12,000-mile limited powertrain warranty.

HACU also offers GAP, Mechanical Breakdown Protection, and Payment Protection Insurance – three options designed for peace of mind that come with knowing you’re fully protected in the event of an emergency. Please ask one of our loan specialists for more information.  



*APR = Annual Percentage Rate. Rate listed is accurate as of 5/1/2024, and subject to change. Rate listed applies to new and used vehicle loans, model years 2019 or newer and a 36-month term. Payment example: 36-month term rate of 5.99% APR, $30.42 per $1,000 borrowed. Rates vary based on credit score and term; not all borrowers will qualify for the lowest rate. Vehicle loans are subject to credit qualifications. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted May 1, 2024 through July 31, 2024 and loan must be booked within 30 days of pre-approval to receive promotional offer. Contact HACU for full details. 

Deferring payment is optional and subject to credit and collateral value. First payment may be deferred up to 90 days. Interest accrues daily from the date of funding and is repaid over the term of the loan. Offer may be withdrawn at any time.

*% as low as
APR 5.99%*
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