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. Find your car at Enterprise.

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 07-20-2019
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 3.24% $29.19 Receive a notification when this rate changes
37 to 48 Months 3.44% $22.33 Receive a notification when this rate changes
49 to 65 Months 3.69% $17.00 Receive a notification when this rate changes
66 to 75 Months 3.94% $15.06 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.

Rate Discounts

Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get an additional 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible.

Real Reviews from Real Hanscom FCU Members

Car Loans

Read Reviews

Better Than a Lease

Read Reviews

Car loan process

5

Julie was my loan officer and she was awesome very professional and easy to work with every time I needed to call her she was available

Boston Massachusetts

true

Great rates and friendly atmosphere

5

You just cant beat Hanscom

Ayer Ma

Easy with great rates. Can't go wrong.

5

Great service and rates.

Boston Ma

true

Great Service

5

Thanks one again to the Hanscom main branch team for their product knowledge and walking us through the process.

Plymouth Ma

true

Car loan: A Smooth Ride

5

Despite being overseas that made communication challenging, we received excellent service & our loan was processed in a timely manner.

Boston, MA

true

Car Loan with HFCU.

5

This is the second time I do a car loan with HFCU Roxbury Branch is very convenient and Denise and Devon they're such nice person and a really good professional. I Highly recommend them to anyone Thank you so much!!!

Ashland Ma

true

Easy, all online. Courteous. Patient.

5

Thank you HCFU

Lovell, me

true

Good process

5

Good rate. Easy process

Hanscom

true

Great CU

5

Very easy to deal with and very responsive. You get one loan officer - not a bunch of call center people. My Lian officer was Sumita who took a personal interest in making sure things went well. I had a difficult car loan (bought through Carvana - don't recommend it) that had to be redone when I exchanged vehicles. Sumita stayed late to process the first loan and was more than accommodating when I had to redo the loan.

MA

true

Fast and Easy

5

I've used HFCU for several loans and I always find the process very easy and quick.

Massachusetts

true

Car Loan Reviews

4.9 513

98.3

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

true

Great service

5

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

Massachusetts

true

Excellent experience!

5

Staff was great and very friendly

Massachusetts

true

Vehicle upgrade1

5

Excellent product and great customer service.

Watertown, MA

true

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

true

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

true

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

true

Great program!

5

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

Maryland

true

Affordable monthly payments made possible

5

Fantastic experience with Julie

New England

true

Carol was incredible!

5

Carol was incredible! She was responsive, helpful and even stayed late (I am in a different time zone) to get the loan done while I was at a dealership in Texas. The dealership was so impressed, they told me that Hanscom would be added to their available banks for customers. It's so rare to find local folks that remember your name and do whatever it takes to get business done. Excellent job Carol!!!

San Antonio Texas

true

Better Than a Lease Loan Reviews

5.0 29

100.0