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Car Loans

Car loans and refinancing for cars, trucks, and SUVs

New/Used Car Loans

  • Get the same rate on new or used car.
  • Finance up to 120% of purchase price including sales tax and warranty.
  • Apply, sign and get your money online.

Apply for a New/Used Car Loan

Refinance your car loan

  • Lower your monthly payment and save hundreds of dollars in finance charges.
  • Drop your current auto loan rate by ½%, 1%, 2% or more.
  • No application fees or title transfer fees.

Get started

Better Than a Lease

  • Title is in your name - not the dealer
  • Lower monthly payments compared to a traditional lease
  • No security deposit, no initial fees and no penalty for early payment
  • Mileage options of 12,000, 15,000 or 18,000 per year
  • No security deposit or acquisition fees
  • No early payoff penalty

Compare and calculate payments

AutoSmart

Search, shop, finance. AutoSmart is your smart choice for stress-free car buying. Search for your car on AutoSmart.

Free Car Buying eBook

How to drive away happy. Download your copy.

Enterprise Car Sales

Shop Enterprise for haggle-free car buying and a huge inventory. 

Loan Payment Calculator

How much do you want to spend on your vehicle monthly?

3 year loan:
7 year loan:

Protect Your Wheels and Your Credit

When the road turns rough, car insurance and loan protection can help you get back to a smooth ride.

Car Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 12-13-2019
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
Up to 24 Months 2.74% $42.87 Receive a notification when this rate changes
25 to 36 Months 2.74% $28.97 Receive a notification when this rate changes
37 to 48 Months 2.94% $22.11 Receive a notification when this rate changes
49 to 65 Months 3.19% $16.77 Receive a notification when this rate changes
66 to 75 Months 3.44% $14.84 Receive a notification when this rate changes
76 to 84 Months 4.74% $14.01 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payments are available. Hanscom FCU offers a 0.25% discount for loans on new and used vehicles (excluding motorcycles) to current active duty members in the U.S. Military. Maximum loan to value for vehicle loans is 120% for members with the best credit profile.
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Real Reviews from Real Hanscom FCU Members

Car Loans

Read Reviews

Better Than a Lease

Read Reviews

Super fast and friendly

5

Quickest loan I've ever done!

Framingham, MA

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Excellent and Curteous Service

5

Excellent, and courteous customer service by Megala .A (Branch manger) of the Jamaica Plain, and Brockton Branch. She took her time, and listen to her customers, and meets them at their point of need. Friendly, and quick approval service. Trusted service

MA

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Best rate, best customer service!

5

Hanscom had the best rate before I knew how great the customer service was! Ciara was excellent in all aspects during the refinancing of a higher rate loan that I had.

Narragansett, RI

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Best place to apply for a loan

5

The best of the best

Melrose

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Great experience, quick, and professional

5

Judy H was amazing! Genuine and a true professional! She made the process of purchasing a vehicle quick and easy!

Hanscom AFB

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Fast and easy

4

Great credit union

Worcester MA

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Fast and easy - Great service by Lauren

5

Lauren , who works at HFCU in Bedford on Great Road was a great help ....Answered all my questions and the process was fast . Thank I have been with HFCU and there I will stay ...

Massachusetts

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Excellent service as it always is.

5

Sara was quick and easy to deal with.

albuqueruque nm

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Super Fast and Easy!

5

Best experience getting an auto loan ! Excellent customer service and a very stress free experience.

Nashua NH

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car loan

5

commend all yours staff for doing an outstanding service to us.

boston ma

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Car Loan Reviews

4.9 557

97.9

Excellent value and awesome member service

5

Ciara was absolutely amazing to work with she provided everything I needed was pleasant and efficient. Couldn't be more satisfied

Framingham ma

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Great service fast and helpful

5

Have had a dozen or so loans through Hanscom always a great experience

Massachusetts

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Great Service!

5

Tammy was great, she was able to process my application in no time. She also explained to me the Better Than A Lease Program with details making sure that I understood the process from the beginning to the end.

Acton, MA

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Great service

5

This was a quick and easy process. I would recommend to my friends and family.

Massachusetts

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Excellent experience!

5

Staff was great and very friendly

Massachusetts

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Vehicle upgrade1

5

Excellent product and great customer service.

Watertown, MA

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Couldn't be easier

5

This is my 4th vehicle loan with HFCU and they are by far the best lending institution I have ever dealt with! They make the process beyond easy and Carol is the BEST!

Warren, RI

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I am very happy to have chosen Hanscom Federal Credit Union

5

I really like the representatives that have served me recently and throughout the 5+ years I have been with Hanscom FCU.

Brockton, MA

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Easy to work with

5

Very happy with Hanscom. People are very nice and very helpful. No one is pushy and all are interested in helping you the best they can. I'm a lifetime member.

Billerica Massachusetts

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Great program!

5

Great program! I had an upper hand with the dealers using this program. Super easy to use.

Maryland

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Better Than a Lease Loan Reviews

5.0 31

100.0