Great Rates, Local Decisions, and Loans That Go the Distance.
From your first set of keys to every vehicle that carries you through life’s moments, we’re proud to be part of your journey. With competitive rates, quick approvals, and a team that understands your needs, HHCU makes it easy to drive with confidence — mile after mile.
We’ve helped countless Members save more on their vehicles — an average of $173 in interest and $257 a year in total costs.* Because every dollar you keep is another mile you can enjoy on the road ahead.
- Up to 100% financing
- Competitive rates
- Free CARFAX™ report with every loan
- Quick and local loan decisions
| Term | 2022 & Newer* | 2021* | 2020* | 2019* | 2018* | 2017 - 2011* | 2010 & Older* |
|---|---|---|---|---|---|---|---|
| 36 months | 6.40 | 6.75 | 7.25 | 7.51 | 7.75 | 8.75 | 9.01 |
| 48 months | 6.27 | 6.62 | 7.13 | 7.38 | 7.62 | 8.63 | 8.88 |
| 60 months | 6.20 | 6.55 | 7.04 | 7.29 | 7.79 | 8.80 | 9.06 |
| 66 months | 6.45 | 6.82 | 7.27 | 7.52 | 7.92 | 8.93 | |
| 72 months | 6.69 | 7.00 | 7.50 | 7.75 | |||
| 78 months | 6.82 | 7.12 | 7.62 | 7.87 | |||
| 84 months | 7.06 | ||||||
*Rates updated as of 11/20/2025 *Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. **A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. | |||||||
Results will appear here/mo
*Rates updated as of TAFTDATE# |1|#TAFTDATE
*Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans.
**A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples.
Results will appear here
*Rates updated as of TAFTDATE# |1|#TAFTDATE
*Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans.
**A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples.
