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Enjoy Flexible Auto Loans and Rates at HACU
Whether you're buying your first car or you tenth, Healthcare Associates Credit Union (HACU) has the right auto loan for you. From low auto loan rates to car buying programs, we have all the services you need to buy your next new or used car.
CONVENTIONAL AUTO LOAN FIRST TIME AUTO LOAN BUYER'S CHOICE
Unlock great rates on your auto loan while still benefiting from dealer rebates and incentives. Drive away in your dream car with a financing plan that suits your budget perfectly.
Perks of an HACU Conventional Auto Loan:
- Low rates on new and used vehicles
- Flexible terms up to 84 months
- 100% Financing
- Make no payment for 90 days
- 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.
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Buying your first car can be intimidating. We're here to help. We've created a program tailored to first-time car buyers with limited to no credit. Head to the dealership with confidence.
Perks of an HACU First Time Auto Loan:
- Low rates
- Manageable terms - Up to 60 months
- 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
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Our Buyer's Choice auto loan is a simple interest loan that gives you a leg up on your car's depreciating value once you drive away. It’s not a lease, but it gives you low payments like a lease and choices when your auto loan matures. You'll enjoy the freedom to sell, refinance, pay off the loan or even trade the vehicle in at the end of your loan term.
Other perks of this program include:
- Conventional financing
- Little to no down payment
- No upfront fees
- You own the vehicle with the title in your name
- Higher mileage options (7,500, 10,000, 12,000, 15,000, or 18,000)
- Loan terms up to 72 months
- Walk away at loan maturity with no strings attached
- Lower payments - up to 40% lower than conventional auto loans
- Trade-in, sell, payoff or refinance at any time without any prepayment penalty fees
- No higher insurance premium
- Trade in tax credit (varies by state)
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CALCULATE YOUR SAVINGS
Some restrictions include, no Manufactures suggested retail price over $75,000 and a residual value over $20,000.
Car Buying Resources
Buying a car can be stressful. That's why we've partnered with CarQuotes and Enterprise Car Sales to make the process easier.
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.
CONTACT A LOAN SPECIALIST
Auto:
*APR = Annual Percentage Rate. Rate listed is accurate as of 5/1/2025, and subject to change. Rate listed applies to new and used vehicle loans, model years 2020 or newer and a 36-month term. Payment example: 36-month term rate of 4.99% APR, $29.97 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, 2025 through June 30, 2025 and loan must be booked within 30 days of pre-approval to receive promotional offer. Contact HACU for full details.
1 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.
Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.
Buyer’s Choice:
*APR = Annual Percentage Rate. Rate quoted for BuyersChoice is 6.29% APR, $86.54 per $1,000 borrowed. APR, loan terms, monthly payments and savings shown are estimated, and are based on your credit profile. End of loan term options for BuyersChoice are; you may payoff loan balance, refinance, sell, trade in or return vehicle at maturity. Fees at maturity will include $195 Disposition Fee and possible Excess Mileage Fee of $.10 per mile. HACU Loan approvals are subject to credit qualifications and collateral value.
