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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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Rates current as of August 1, 2023. *APR= Annual Percentage Rate. 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 $499.76 per $25,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 7.39% 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+.


Extra Protection You Can Finance in Your Loan:

Gap Asset Protection  

Guaranteed Asset Protection offers big protection for a small cost. If your car is totaled before the loan is paid off GAP coverage picks up the difference. ASG’s Guaranteed Asset Protection Plus (GAP PLUS) program helps cover the remaining balance on your loan if you experience a total loss before it is paid off. Call 303.450.0719 for more information or click the button below to have more information sent to you.

GAP Protection Slide - Call 303-450-0719 for assistance. 



Request Information About Guaranteed Asset Protection



Mechanical Breakdown Protection  

The vast majority of costly mechanical and electrical failures occur AFTER the factory warranty has expired. Avoid expensive repairs by protecting your vehicle with a Mechanical Breakdown Protection contract from ASG. With a full complement of affordable coverage options, Mechanical Breakdown Protection is the ideal solution to protect your investment and reduce out-of-pocket expenses should a mechanical breakdown occur.  

Mechanical Breakdown Protection Image - Call 303-450-0719 for assistance. 


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