Auto loans.

Come to us before the dealership and receive a Pre-Approval to buy your car or truck.

Navigate this market a little easier with our help.

*Click 'View Rates' for more information.

How to apply for a

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.

Visit our Partner Dealerships.
Adams Chevrolet
Adams Jeep
Anderson Buick GMC of Abingdon
Anderson Buick GMC of Hunt Valley
Anderson Honda Cockeysville
Auto Showcase of Bel Air
BMW of Bel Air
Cook Automotive
Eisenhauer's Chesapeake Harley Davidson
EZ Car Plus
Harley Davidson of Baltimore
Keene Dodge Chrysler Jeep Ram
Koons Volvo White Marsh
Koons White Marsh Chevrolet
Plaza Ford
Jones Chrysler Dodge Jeep Ram
Jones Hyundai
Jones Kia
Jones Nissan
Jones Subaru
Jones Toyota
Jones Used Superstore
Ourisman Toyota 40
Ourisman 40 Used
Volkswagen of Fallston

Cruise with low rates dedicated to your passion.

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

View 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.


Pop -up Campers


Truck Campers

Camper Trailers


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

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.