Auto Loans

Move forward with the best auto loan

Ready to buy?

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:

  • Low-rate loans on new and pre-owned vehicles
  • Flexible terms up to 84 months
  • 100% Financing
  • 90-day payment deferral available
  • .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**


First Time Auto Loan Program

Are you new to the lending world and have little or no credit?  Are you Looking to get your first car?  We are happy to help with our First Time Auto Loan Program designed for those who are ready to embark on the purchase of their first automobile.  

  • 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



Shopping for a car?           

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

And check out Enterprise Car Sales where you'll find “no-haggle” used car pricing and 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. See our Auto Loans brochure for more information.




*APR = annual percentage rate. Loans subject to credit qualifications and collateral value. Loan promotions do not apply to vehicles currently financed with HealthCare Associates Credit Union. Terms and conditions apply. 
Disclosure for the Auto Purchase or Refinance Kick-start Summer Special. 1. Three Months without payments is defined as 90 days. This is a payment deferment. If you choose to defer payments for 90 days, the first payment will be due approximately 90 days from the date of funding. Interest will accrue during this payment deferment. 2. APR = Annual Percentage Rate. Payment examples: A 36 month term available at a rate of 2.290% APR* Estimated monthly payment on 36 month (3 year) loan at 2.290% APR* = $28.88 per $1,000 borrowed. A 60 month term available at a rate of 2.590% APR* Estimated monthly payment on 60 month (5 year) loan at 2.590% APR* = $17.87 per $1,000 borrowed. A 72 month term available at a rate of 3.090% APR* Estimated monthly payment on 72 month (6 year) loan at 3.090% APR* = $15.32 per $1,000 borrowed. 3. Vehicles from 2012-2014 do not qualify for terms of 84 months. 4. Member Loyalty Discounts apply. 5. Eligibility based on collateral value and subject to credit qualifications. Not available on existing vehicle loans currently with HealthCare Associates Credit Union. This special is available May 1, - June 30, 2017.