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UpgradeCome to us before the dealership and receive an Express Check to buy your car. Avoid the haggling.
Rates as low as 2.21% APR*
Get a blank check to use for your next car. Avoid the finance manager at the dealership.
Click apply online.
A loan officer will reach out to you.
Sign and send back documents.
Stop by a branch to pick up your check
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 and extended warranty coverage is available for your protection.
Apply onlineView ratesWe align our motorcycle rates with our low auto loan rates to give you the best possible options and beat out most dealerships!
Apply onlineView ratesTraveling 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.
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.
We have lower rates than market. We have lower warranty costs with more coverage than market. We are locally owned and operated.
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.
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.
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.
Exclusively low rates to our members that you can use for anything such as: bill consolidation, education loans, vacations or anything else in life.
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.