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Auto Loans
If you’re interested in a New or Used Auto Loan or would like to refinance an existing one, Hartford Federal Credit Union has the loan to meet your needs. Like many car dealerships, we offer GAP (Guaranteed Asset Protection) programs to protect your investment. We also offer Mechanical Breakdown Protection to help cover some unexpected major repairs, as well as Credit Life and Disability Insurance Protection. These services are available if you’re purchasing your car from a dealership, a private sale, or if you’re refinancing an existing loan. Our friendly and professional Member Service Representatives will guide you through the hassle-free auto loan process to determine what term works best with your monthly budget.

We offer:
Up to 110% financing for qualified buyers
Terms up to 7 years (84 months)
Credit Life and Disability Insurance
Guaranteed Asset Protection (GAP) Insurance
Mechanical Breakdown Protection

When applying for an Auto Loan at Hartford Federal Credit Union, the following documents are required:
Completed Auto Loan Application
Copies of your two most recent paystubs or other acceptable verification of income
The vehicle purchase agreement signed by the dealer

The place for "less than perfect credit" auto loans
If you have been turned down by other lenders or approved but with a sky-high rate, Hartford Federal Credit Union may be able to help. It doesn’t matter if it’s a new or used car purchase, or refinancing your existing car loan, you can benefit from the same favorable rate. We have programs available for those with perfect or “less than perfect credit".

Subprime auto loans are a type of loan available to those who have “less than perfect credit", or a limited credit history. While some car dealerships or financing companies are quick to get you into a subprime auto loan, many times it’s at an astronomical rate! Hartford Federal Credit Union wants to get you into the best possible loan at a reasonable rate.

There’s no “one size fits all” loan. Depending on your credit history, you may be able to finance up to 110% of your car value. Contingent on the model year of the vehicle, we may be able to extend your loan out up to 7 years (84 months) so that you have an affordable payment.

Hartford Federal Credit Union has also partnered with Enterprise Car Sales. If you’re still looking for the right car, one of our Member Service Representatives can put you in touch with an Enterprise Representative to help find the best vehicle for you. Special promotions are available for our HFCU members!

Apply online by clicking the Apply Now button below.