Auto Loans
Auto Loans
Get from point A to point B, and everywhere in between, with an auto loan from HEFCU. Funding the ride of your dreams is easier than ever with an easy online application, same day approvals and electronic document signing.
If you're planning to purchase a new (or new to you) vehicle, get pre-approved before you head to the dealer. You'll shop in confidence knowing your approved loan amount and estimate monthly payments. Even better; research, compare and find your next vehicle with our Auto Buying Center. Already have an auto loan? We may be able to refinance your loan to lower your payments and save you money on interest.
- Great, low rates on new and pre-owned vehicles (up to 10 model years old)
- Auto financing
- Up to 115% financing available, with flexible terms up to 84 months
- 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
- Loan Protection Programs available
- Lease Buyouts and Refinancing from other lenders available
- Put your payments on cruise control with Payroll Deduction/Direct
To speak with a Loan Officer, call (609) 951-0700, option 3.
Mechanical Repair
Drive with confidence, knowing we've got your back. A breakdown can be troubling enough without the added worry of expensive repairs. That's why we're pleased to bring you Mechanical Repair Coverage which includes rental reimbursement, 24-hour roadside assistance, travel expense reimbursement, key replacement and more.
Loan Protection
We offer a variety of competitively priced loan insurance plans to help you protect your investment. Speak with your Loan Officer to obtain a quote and add to your auto loan.
Debt Protection with Life Plus
Do everything you can to take care of the ones you love. Consider Debt Protection with Life Plus before the unexpected happens.
If your life takes an unexpected turn, your family's finances can be strained. But with HEFCU's Debt Protection with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It's just one more way you can look out for the people you love.*
Take an important step toward financial security. Ask HEFCU about Debt Protection with Life Plus today.
Guaranteed Asset Protection (GAP Plus)
If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you'll need.
Disclaimers
If you receive a notice from HEFCU requesting you to provide evidence of current insurance (as required by your loan agreement), you can submit this information electronically via www.myloaninsurance.com.
Please be aware that HEFCU is unable to finance cars with a Salvaged Title.
*HEFCU Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
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