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.
*APR = Annual Percentage Rate. 60 monthly payments of $17.96 per $1,000 borrowed at 2.99%.
External Refinance Program
Refinance your auto loan from another financial institution to reduce your payment and increase your monthly cash flow. Refinance restrictions apply.
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:
Get Your First Car with HAR-CO’s 1st Time Car Buyer Program
$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.
HAR-CO offers a recreational loan for a variety of items:
*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?