Vehicle Loans

We Can Make Buying Your Next Car a Much Smoother Ride

AUTO LOAN rates as low as 3.99% APR*

$50 GIFT CARD when refinancing for new members

Apply Online


Vehicle Loans

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.

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.


Minimum Term


Vehicle Loans

New, Used, Refinanced

100% Financing - 0% Down

1 to 39 Months

as low as 3.99%

40 to 51 Months

as low as 4.23%

52 to 84 Months

as low as 4.49%

*APR = Annual Percentage Rate. Membership eligibility required. Subject to credit approval. 60 monthly payments of $18.64 per $1,000 borrowed at 4.49%.

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 current as of 11/1/18 and are subject to change. May not be combined with other offers. Subject to credit approval. Same loan terms apply with qualified co-signer. 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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