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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. 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 10-22-2019
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

Fast, Easy and Professional

5

Excellent Customer Service!

Boston, MA

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Fast and easy process

5

I am very pleased with my car loan experience with Hanscom. The clerk was very attentive and thorough with this process. I will definitely recommend other acquaintances to bank with Hanscom Federal Credit Union.

Boston, Massachusetts

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Auto Loan Refinance

5

i refinanced my vehicle, and the rate is great. processing the loan was easy and quick..

Randolph, Mass

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A very satisfying customer

5

I'm glad that I was referred to Hanscom Credit Union I am very please with their services and how they help.me in many ways

Brockton

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Easy, good rate

5

Great service from my Beverly branch. fast application and approval, conducted lots of business online which made it easy. Smooth process all around. Thank you.

Rowley MA

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great team

5

devans great team

ma

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Great rate, mediocre service

3

I should've realized such a low rate would come with sub-par service. It was easy to get approved when I went in person to apply for a car loan, but was made promises of follow up that never came and had to be diligent about reaching out daily to get the loan officer to complete his piece. It was virtually impossible to get anyone on the phone.

Boston

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great experience on my last auto loan...same for my new auto

5

The staff in the auto loan dept. made the process simple and efficient

Somerville, Massachusetts

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Great service once again

5

I've been a member since the mid 90s once again HFCU comes through! No need to bank anywhere else1

Uxbridge MA

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Thanks for such a painless loan application

5

It was so easy to work with the professional staff at Hanscom Federal Credit Union .They made this loan process so trouble free and professional .It was a pleasant experience to work with such professional competent professionals.

Ocala,FL

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Car Loan Reviews

4.9 546

97.9

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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Affordable monthly payments made possible

5

Fantastic experience with Julie

New England

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Better Than a Lease Loan Reviews

5.0 30

100.0