Auto/Truck Loans

We’ll help you hit the road with confidence—and keep more money in your pocket.

Auto Financing for New and Used Vehicles

Family traveling by vehicle

Whether you are buying your first vehicle, replacing a family car, or upgrading your truck, HHCU can help you find financing that fits your road ahead.

Review current APRs and available terms, estimate a payment, and choose the next step that works for you. Our team is here with local decisions, practical guidance, and support from application to closing.

Up to 100% financing
Rates and terms for a range of vehicle model years
Free CARFAX™ report with every loan
Local loan decisions from a team that knows our communities

Choose Your Application Path Estimate a Payment

Have questions? Talk with our team.

A clear path from rate shopping to keys

Review Your Options

Compare available rates and terms by model year, then estimate a payment that fits your budget.
Apply or Connect

Start online, call our Contact Center, or visit a Service Center for help with your next step.
Complete the Review

HHCU will review your application, credit qualifications, and eligible vehicle information.
Finalize Financing

Our team will explain the approved terms and help you complete the loan process.

Explore Auto and Truck Loan Rates

Available APRs and terms vary by vehicle model year, credit qualifications, and other lending criteria. Review the current table and disclosures before estimating a payment.

Auto/Truck Rates

Auto/Truck

Term	2026 APR	2025 APR	2024 APR	2023–2021 APR	2020–2019 APR	2018–2017 APR	2016–1999 APR
60 months	4.65%	4.65%	5.23%	5.23%	6.56%	6.56%	7.81%
72 months	5.16%	5.16%	6.25%	6.25%
84 months	6.46%	6.46%
Rates updated as of 9/6/2026 Loan terms are available up to 84 months. Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples.

*Annual Percentage Rates (APRs) are available as low as shown and may vary based on creditworthiness. Term lengths shown are examples only and do not reflect all available financing options. Additional terms may be available up to 84 months, depending on vehicle year. Rates shown do not apply to the refinancing of existing HHCU auto loans. Rates, terms and conditions vary based on credit qualifications and collateral characteristics and are subject to change without notice. All loans are subject to credit approval and underwriting requirements.

Estimate Your Payment

Use the payment and affordability calculators to explore possible loan amounts and terms before you apply. Calculator results are estimates and are not an offer of credit.

MONTHLY PAYMENT

Results will appear here/mo

Please choose a vehicle

Loan Amount

Rate (%)

Term

Credit Score
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*Rates updated as of 9/6/2026

*Loan terms are available up to 84 months.

*Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans.

*A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples.

How much can I afford?

Results will appear here

Please choose a vehicle

Desired Monthly Payment

Rate (%)

Term

Credit Score
I don't know my credit score

*Rates updated as of 9/6/2026

*Loan terms are available up to 84 months.

*Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans.

*A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples.

Not yet an HHCU Member?

Apply and become a Member

Use this application if you do not currently have an HHCU membership. You’ll apply for an Auto Loan and establish your membership in one secure process.

Apply as a New Member

Already an HHCU Member? Please choose the Existing Member application to the right.below.

Already an HHCU Member?

Apply as an existing Member

Use this application if you already have an HHCU membership—even if this is your first Auto Loan with us.

Apply as an Existing Member

Not yet an HHCU Member? Please choose the New Member application to the left.above.

What affects your rate and payment?

Your approved APR and monthly payment may vary based on several factors. Reviewing these before you apply can help you compare options with more confidence.

Credit qualifications: Your approved APR may vary based on credit score, application details, and eligibility.
Vehicle model year: The current rate table groups vehicles by model year.
Loan term: A shorter term generally has a higher monthly payment but may reduce total interest. A longer term may lower the monthly payment while increasing total interest.
Fees and disclosures: Review the current rate table and calculator disclosures for applicable fees, estimate details, and eligibility information.

Membership and local help

HHCU auto loans are available to eligible Members. If you are not already a Member, our team can help you review your eligibility and understand the easy process to become a Member!

Review Membership Eligibility

Find an HHCU Service Center | Call us at 800.865.2612.

Helpful Auto Loan Resources

A few services that can help you protect your vehicle, manage payments, and keep your HHCU loan close at hand.

Loan Protection

Learn about Mechanical Repair Coverage and GAP options that may help protect your vehicle purchase.

Explore Loan Protection

Mobile Banking

Manage your HHCU accounts, transfer funds, deposit checks, and pay bills from your mobile device.

Explore Mobile Banking

Life Plus Debt Protection

Learn about optional protection designed to help with eligible loan payments when the unexpected happens.

Explore Debt Protection

Common Auto Loan Questions

Does HHCU finance both new and used cars and trucks?

Yes. HHCU offers financing for a range of vehicle model years, from newer vehicles to older models. Available rates and maximum terms vary by model year and credit qualifications.

How is my auto loan APR determined?

Your approved APR may vary based on your credit score, vehicle model year, selected term, and other lending criteria. Review the current rate table and disclosures for additional details.

Can I estimate a payment before I apply?

Yes. Use the Payment Calculator to estimate a monthly payment or the Affordability Calculator to explore a possible loan amount based on a desired payment. Results are estimates and are not an offer of credit.

Do I need to be an HHCU Member?

HHCU loans are available to eligible Members. If you are not already a Member, review membership eligibility or contact our team for help.

How can I get started?

You can begin with the loan application, call our Contact Center at 800.865.2612, or visit an HHCU Service Center.

Can I get help before choosing a vehicle?

Yes. Our team can help you talk through rates, estimated payments, membership eligibility, and next steps before you visit a dealer or make a purchase decision.

Disclosures

Calculator results are estimates and are not an offer of credit. Final rate, term, payment, and financing amount are subject to application review and approval. Review the current rate table and calculator disclosures for applicable fees and eligibility details.