Auto loans.

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

Navigate this market a little easier with our help.

*Click 'View Rates' for more information.
Apply Online
View Rates

How to apply for an
Express Check.

Get a blank check to use for your next car.

1. Fill out the form

Click apply online.

2. Get pre-qualified

A loan officer will reach out to you.

3. Send documents

Sign and send back documents.

4. Get a blank check

Stop by a branch to pick up your check

Finance up to 96 months.

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 96 months for new, used, and refinanced vehicles. For a minimal cost, Guaranteed Asset Protection (GAP) insurance and extended warranty coverage is available for your protection.

Apply onlineView rates

Find your next car here.

If you prefer to go right to the dealer, we have made that easier. Simply find your vehicle using our online tool and get your Har-co loan at preferred dealerships.

Buying a motorcycle? Get our same low auto rate.

We align our motorcycle rates with our low auto loan rates to give you the best possible options and beat out most dealerships!

Apply onlineView rates

Recreational Vehicle Loans

Traveling in an RV? Launching your boat in the bay? We have loans for all types of rec vehicles for land and sea!
We will finance up to 100% of the MSRP/NADA value plus taxes and title fees. Loans subject to credit approval.

Apply online
Note: You will be directed to the application site and leaving the Har-co site.

Boats

Pop -up Campers

Jet-skis

Truck Campers

Camper Trailers

Motorhomes

Introducing exotic and supercar loans.

Carbon fiber. Alcantara. Financing partner. These are necessities when purchasing your next dream car investment. We're here to bring your dreams to life. Speak with a financial expert today for you next exotic car loan.

Contact us

Apply Online

Note: You will be directed to the application site and leaving the Har-co site.
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Frequently asked questions.

Do I need a down payment?

Probably Not. A down payment is needed when there is negative equity transferring from a previous auto loan on a trade or when the price is higher than market. Unless you have one of those scenarios, we can finance the entire amount of your purchase.

Why choose Har-co for financing?

We have lower rates than market. We have lower warranty costs with more coverage than market. We are locally owned and operated.

How do I get financing?

Apply online here, call, or come in. First you apply, then you get approved, and then you go shopping with Har-co on your side.

How do I find a car?

Research. Figure out what you should be looking for that will fit your needs and fit your price range. Then find a place that has one so you can see it and negotiate a fair price. We have a car search engine available as an option.

More services.

Mortgages

Get the edge in today's market with a one-day pre-approval. Spend less time closing on your house and more time making memories.

Apply for a mortgage
Personal Loans

Exclusively low rates to our members that you can use for anything such as: bill consolidation, education loans, vacations or anything else in life.

Apply for a loan
Credit cards

Introducing your pass to Harford County, with the all-new Har-co card. 5% cash back on local businesses and 2% on all other purchases.

Apply for a credit card
View all services