Vehicle Loans
ONE STOP SHOPPING IS AVAILABLE AT HOMETOWN
Hometown Credit Union has pledged itself to being all the financial institution you'll ever need by providing all the products and services to complete a vehicle purchase.
Find the vehicle of your dreams and make your best deal for a CASH PURCHASE. Let us prepare you for this by coming in before shopping and be pre-approved for a loan and get the value of the vehicle you are shopping for. Hometown will give you a very good interest rate, an the opportunity to purchase an Extended Warranty, GAP insurance and Credit Life and Disability. The dealer will offer you these products but we believe you'll be surprised to discover our cost for them is considerably lower than the dealers!
COST OF THE ADDITIONAL PRODUCTS CAN BE INCLUDED IN YOUR LOAN!
The Hometown Advantage
At Hometown Credit Union we work hard to bring you the best rates on vehicle loans. But our service extends beyond simply lending you money. We offer a full-service array of options to ensure that your vehicle-purchasing experience is top-notch. Be sure to read more about our services below!
Loan Features and Services
- Competitive rates on vehicle loans.
- Free vehicle history when buying a used vehicle.
- Free value estimate when buying a used vehicle.
- Free value estimate on your trade-in vehicle.
- Extended warranty at a lower cost than the dealer.
- GAP insurance to pay off your loan if your car is stolen or totaled.
Vehicle History
You should always know the history of any used vehicle that you buy. Prior vehicle damage is sometimes hard to spot, but it can often affect the quality and useful life of the vehicle. Before you make your purchase, be sure to get a free vehicle history report from us.
Vehicle Value
When purchasing a used vehicle, it is important to know that you are paying the right price. We can tell you the approximate value of the vehicle before you negotiate the price with the seller.
When offering a trade-in vehicle, it is equally important to know that you are getting the most money for your trade-in. We can give you your vehicle's approximate trade-in value.
Our Rates
We offer a detailed rate structure to help ensure that you will get the best interest rate. Check out our rates below, and don't forget to review our discounts!
ALL LOAN APPLICANTS MUST MEET HCU UNDERWRITING POLICIES
New or used vehicles
| TERM 24 MONTHS TO 72 MONTHS |
| RATES ARE BETWEEN 3.00% AND 10.50% |
| RATE & TERM DEPENDS ON VEHICLE & YOUR TIERED SCORE |
USED VEHICLES (2009 OR OLDER) & HIGH MILEAGE VEHICLES ADD 1% RATES SUBJECT TO CHANGE AT ANY TIME |
New or Used motorcycles / boats /RVs
| TERM 24 MONTHS TO 48 MONTHS |
| RATE & TERM DEPENDS ON THE AGE & CONDITION OF THE COLLATERAL BEING OFFERED RATES ARE BETWEEN 3.75% AND 8.25% COLLATERAL 3 YEARS OR OLDER ADD 1% RATES SUBJECT TO CHANGE AT ANY TIME. |
Applications
To apply for a loan, be sure to contact us first so that we can discuss your needs with you. Then fill out the General Application, and we will begin processing your loan.
