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Vehicle Loans

Get from point A to point B, and everywhere in between, with an auto loan or motorcycle loan from HEFCU. Funding the ride of your dreams is easier than ever with an easy online application, same day approvals and electronic document signing. 

If you're planning to purchase a new (or new to you) vehicle, get pre-approved before you head to the dealer.  You'll shop in confidence knowing your approved loan amount and estimate monthly payments.  Even better; research, compare and find your next vehicle with our Auto Buying Center. Already have an auto loan?  We may be able to refinance your loan to lower your payments and save you money on interest. 

  • Same great, low rates on new and pre-owned vehicles (up to 10 model years old)
  • Auto and Motorcycle financing
  • Up to 125% financing available, with flexible terms up to 84 months
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Loan Protection Programs available
  • Lease Buyouts and Refinancing from other lenders available
  • Put your payments on cruise control with Payroll Deduction/Direct
  • There is a $10.00 fee per applicant, which is waived upon funding of an approved loan

To speak with a Loan Officer, call (800) 624-3312, option 3.

Loan Protection

We offer a variety of competitively priced loan insurance plans to help you protect your investment.  Speak with your Loan Officer to obtain a quote and add to your auto loan.

Credit Disability and Credit Life Insurance

There’s no way to predict an injury, illness or your unexpected death; but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. MEMBER’S CHOICE Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don’t have to.*

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Guaranteed Asset Protection (GAP Plus)

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

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Mechanical Repair

Drive with confidence, knowing we’ve got your back. A breakdown can be troubling enough without the added worry of expensive repairs. That’s why we’re pleased to bring you Mechanical Repair Coverage which includes rental reimbursement, 24-hour roadside assistance, travel expense reimbursement, key replacement and more.

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If you receive a notice from HEFCU requesting you to provide evidence of current insurance (as required by your loan agreement), you can submit this information electronically via www.myloaninsurance.com

Please be aware that HEFCU is unable to finance cars with a Salvaged Title.

  • Auto Loan

    as low as
    4.00
    %
    APR*
    Calculate
  • Credit Card

    as low as
    8.99
    %
    APR*
    Calculate
  • Home Equity Loans

    as low as
    4.49
    %
    APR*
    Calculate
  • Share Secured Loan

    as low as
    4.75
    %
    APR*
    Calculate