Vehicle Loans

2.49% APR* - 36 Month Term

100% Financing, 0% Down

Life is a journey ... and at this great rate, you can sit back and enjoy the ride

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Whether you are buying a new or used vehicle or refinancing your current loan from another financial institution, HAR-CO offers the same low rate. You may borrow up to 100% of the MSRP/NADA value plus taxes and title fees. There are flexible payment options up to 84 months for new, used, and refinanced vehicles. For a minimal cost, Guaranteed Asset Protection (GAP) insurance is available for your protection.

Vehicle Loan Product

Minimum Term


1NEW LOANS ONLY - Reduce your loan rate by .25% when you enroll in eStatements and arrange for automated loan payments. Qualify for an additional .25% for refinancing your auto loan from another institution.

New, Used, Refinanced

100% Financing - 0% Down

01 to 36 Months


37 to 48 Months


49 to 60 Months


61 to 72 Months

Terms up to 72 months based on model year

73 to 84 Months

Terms up to 84 months based on model year

*APR = Annual Percentage Rate. 60 monthly payments of $17.96 per $1,000 borrowed at 2.99%.
1 0.25% discount available for members who establish eStatements and automated loan payments. Automated payment must cover monthly loan payment amount from a HAR-CO account or net pay direct deposit. Rates current as of 5/1/2019 and are subject to change without notice. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required. Ask for details.


External Refinance Program

Refinance your auto loan from another financial institution to reduce your payment and increase your monthly cash flow. Refinance restrictions apply.

  • 0.25% rate reduction on loans over $8,500. New loans only. Excludes current HAR-CO loans. 
  • Can we lower the monthly payments? Interest rates?
  • A $50 gift card for new members only.

Auto Express Check Program

Shopping for your next new or used vehicle is more convenient than ever with HAR-CO's Auto Express Check Program. This program allows you to shop for your next vehicle at your leisure and make a deal on the spot with a blank pre-approved check up to a specific dollar amount for which you qualify. Have peace of mind knowing that with your HAR-CO Express Check in hand, you can negotiate the deal and drive away in your new vehicle when you're ready.

Car Shopping Made Simple

We've partnered with local dealerships to provide you the ultimate online auto-shopping experience. Save time, money, and stress when looking for your next car:

  • Search for new or used cars
  • Compare vehicles by make, model and price
  • Access CarFax® reports
  • Request a quote
  • Get pre-approved online
  • Research vehicle specifications

Click Here to Shop Now!

1st Time Car Buyer Program

Get Your First Car with HAR-CO’s 1st Time Car Buyer Program

  • Maximum loan amount of $15,000
  • Must be at current full time job for 6 months or be a full time student with current part-time job of 6 months
  • We will finance 90% of the value of the vehicle
  • With a co-signer, you may receive the interest rate that the co-signer qualifies for

$15K for 60 Months at 4.49% APR* = $279.58 estimated monthly payment

*APR=Annual Percentage Rate. HAR-CO Credit Union finances 90% of the NADA retail value (used vehicles) and 90% of MSRP (new vehicles). The 1st Time Car Buyer Program cannot exceed $15,000 total loan amount. Rates are subject to change. May not be combined with other offers. Subject to credit approval. Membership eligibility required. Must show proof of full time employment or full time students status. Other exclusions or restrictions may apply. See a Sales Officer for full details.

Recreational Loans

HAR-CO offers a recreational loan for a variety of items:

  • Boats
  • Jet skis
  • Pop-up campers
  • Truck campers
  • Camper trailers
  • Self-contained motor homes
  • We will finance up to 100% of the MSRP/NADA value plus taxes and title fees. Loans subject to credit approval.



Recreational Vehicle Loans

Recreational Vehicles/Boats (New) 0% Down

as low as 7.99%

Recreational Vehicles/Boats (New) 20% Down

 as low as 7.25%

Recreational Vehicles/Boats (Used) 0% Down

as low as 8.99%

*APR = Annual Percentage Rate. Membership eligibility required. Subject to credit approval. 48 monthly payments of $24.41 per $1,000 borrowed at 7.99%. NADA Guides Route 66 Extended Warranty GAP Advantage

How Much Vehicle Can I Afford?

Vehicle Calculator

Motorcycle Loans 

Explore the Open Road

No matter what you drive, you get the same rate.

Apply Online







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