Auto loans.

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

Rates as low as 1.55% APR*

*Click 'View Rates' for more information.

How to apply for an
Express Check.

Get a blank check to use for your next car. Avoid the finance manager at the dealership.

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

$50 auto gift card

Get your first detail on us.

Visit us before the dealership.

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 rates

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

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.