Vehicle Loans | HAR-CO Credit Union

Vehicle Loans

Come to us before the dealership
and receive an Express Check to buy your car with.

Auto Loan Rates as Low as 1.550% APR*

Easily Apply Online

Find Your Car. Get your Loan. Receive $50.

Click Here for this Special Offer

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.

New, Used, Refinanced
Minimum Term


**Estimated Monthly Payment
per $1,000 borrowed

**Estimated Monthly Payment example is based on the maximum term listed in the range.

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. The advertised rates are for individuals with credit scores 780 or better who also qualify for applicable discounts. The interest rate set at loan approval is based on the individual’s credit qualifications, whether they elect to take advantage of applicable discounts, the loan term and amount, vehicle mileage and other factors impacting actual interest rates. Not all applicants will qualify for the lowest interest rates. If applicable, automated payments must cover the monthly loan payment amount from a Har-co account or net pay direct deposit. 60 monthly payments of $17.44 per $1,000.00 borrowed at 1.80% APR. Refinance restrictions apply. Minimum loan amount is $2,000.00. Minimum loan amount to qualify for extended terms (61 months or more) at advertised rates, is $20,000. Rates current as of 7/1/2021 and are subject to change without notice. Har-co membership eligibility is required. Ask for details. The auto loan program is available in various counties in MD, PA and DE. Comprehensive Auto insurance is required. Low-cost Gap and mechanical breakdown insurance is available. Loan subject to credit approval.


Auto 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!


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. Spend minimal time at the dealer and make a deal on the spot with a blank pre-approved check up to a specific dollar amount for which you qualify from Har-co Credit Union.

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.


Auto 50 coupon

Easily Apply Online

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.

Easily Apply Online

Minimum Term


Estimated Monthly Payment
per $1,000 borrowed

NEW Recreational Vehicles/Boats - 0% Down



NEW Recreational Vehicles/Boats - 20% Down



USED Recreational Vehicles/Boats - 0% Down



*APR = Annual Percentage Rate. Rates current as of 7/1/2021 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. 

How Much Vehicle Can I Afford?

Vehicle Calculator

Motorcycle Loans 

Explore the Open Road

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

Easily Apply Online




 Vehicle Borrower Instructions


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