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Auto loans as low as 4.99% APR*
Hit the road ready
Get pre-approved for your HCU auto loan in minutes — and walk into any dealership knowing your rate, your payment, and your terms. No pressure. No surprises. Just confidence.
Have someone contact me instead.
Most people find out their rate at the dealership. You don't have to.
Car shopping is one of the bigger financial decisions you'll make. Walking in with a pre-approved rate from HCU means you already know your budget, your monthly payment, and what you're working with — before any of the details come up.
That kind of clarity makes the whole process easier. You spend less time working through numbers and more time focused on finding the right car.
That's the difference between shopping with questions and shopping with answers.
Three steps. Five minutes. Done.
Apply online in minutes
Fill out a short online application. No paperwork, no branch visit required — though we're always happy to see you.
Get your rate
We review your application and come back to you fast. You'll know your rate and what you're approved for — before you set foot on a lot.
Hit the road ready
Shop with confidence. When you find your car, we'll handle the financing and get you on the road.
A credit union is built differently
HCU isn't a bank. We're a member-owned credit union — which means we answer to you, not to shareholders. That changes how we price our loans, how we treat your application, and how we show up when something doesn't go as planned.
Not ready to apply yet? That's fine.
Talk to someone at HCU before you start. Fill out the short form below and a member of our team will reach out — no pressure, no sales pitch.
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