Loan & Credit Cards
Vehicle Loans

Vehicle Loans

HFCU offers financing of new or new-to-you vehicles and motorcycles. We offer financing for your new vehicle, used vehicle, refinancing vehicle, lease buyout, private party purchase, and member-owned vehicle that is not currently financed.

  • Finance up to 100% plus tax and tags for qualified buyers
  • Interest calculated by the simple interest method (you pay interest only on the unpaid balance)
  • Low fixed interest rates with flexible payment terms
  • For your protection, Debt Protection (voluntary loan-payment protection) and GAP Protection are available
  • Mechanical Breakdown Insurance available
  • Rate Discount for payroll deduction or auto payment options


    Walk in with a check, drive off in a new car!

    An AutoDraft is a new car loan product of HFCU to make your car buying easy! It gives you the freedom to shop around from any licensed dealer of your choice with a blank check in hand with an pre - approved loan amount. Once you selected the car you want, just simply complete the AutoDraft form and give to the dealer. Upon completion of the sale the dealer and HFCU will coordinates to process the necessary documentations.

    • HFCU AutoDraft with an approved amount payable to any licensed auto dealers.
    • Rate is locked in at the time of pre-approval and guaranteed for 30 days.
    • AutoDraft is eligible to purchase new and used cars.
    • Approved auto draft is good for 30 days from the date of issue.
    • Interest does not accrue until the draft is received from the dealer.
    • Not eligible for a car down payment or purchase the car from a private seller, agent, broker or auto auction.
    • Not eligible to purchase cars that exceeds the pre-approved loan amount.


    *APR=Annual Percentage Rate; actual rates may vary and based on credit worthiness and automatic payment from an HFCU account. Other restriction may apply. All loans subject to approval.


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HFCU is federally insured by the National Credit Union Administration. HFCU is an Equal Opportunity and Housing Lender.

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