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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. Get started.

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 01-26-2020
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

Julie is Awesome !!!

5

Julie when above and beyond on service I will gladly recommend this company to everyone I know! Thank you Julie

Beberly, Boston

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Good loan, but changed last minute

3

My only complaint is that the terms of my loan changed at the last possible minute. When I went to the bank to sign for the loan about an hour before picking up the car, I learned that I had only been approved for a 30 month loan instead of the 36 month I was originally told. This meant that my monthly payments are now roughly $50 more than I had planned for. Because I was to pick up the car right after signing the loan, I had no choice but to accept the terms, otherwise I'd most likely have to go another week without a car. Overall the process was smooth and quick, but it's not fair to put your customers in a position where they basically don't have a choice.

Waltham

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Great Service

5

Abian did a great job and explained the refinance very well.

Virginia

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Car Buyer

5

The loan process was simple and with no hassle. I was very pleased with the efficiency.

Warrenton, VA

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Process was seemless, quick and efficient, done in 24 hrs.

5

I have been a member for over 30 years and have always received excellent customer service.

Gloucester, MA

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Great, outstanding customer service

5

I had a great experience, everything was fast and easy, great customer service, happy to become a member

Rhode Island

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Great rate, great customer service

5

Maria and Julie at the JFK branch have been extremely helpful in refinancing a car loan for me. They went out of their way to make it easier for me to sign paperwork without having to come into a branch office. They were always pleasant, thoughtful, helpful, provided explanations and help. I could not be more satisfied with this experience with Hanscom Federal Credit Union and am telling my friends and family about my positive experiences.

Framingham

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Great Service

5

Great customer service, lower rate available after applying, and no hassle or runaround.

Boston metro

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Hanscom Saves You Money!

5

I applied for a re-finance of an auto loan through Hanscom Federal Credit Union and the process could not have been easier. It starts with great customer service. Employees at HFCU just make you feel welcome. They take the time to answer any and all questions you have, whether by email, phone or face to face. I can tell they have my best interest in mind at all times. Then there's the numbers. I was able to reduce my auto loan rate by more than 5% which also reduced my monthly payment and seven months off my loan! They don't just talk the talk, they walk the walk! As I see it, there is no reason you should not switch from wherever you are now to Hanscom Federal Credit Union!

Middlesex County, MA

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Car Load for a Non-Dealer Purchase

5

Process was easy. Loan officer was very helpful and informative.

Braintree, MA

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Car Loan Reviews

4.9 572

98.0

Best experience with applying for a loan

5

Very easy and convenient process with Matt.

Waltham, MA

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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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Better Than a Lease Loan Reviews

5.0 32

100.0