Consumer Loans

Let Hartford Federal Credit Union help you with your borrowing needs. We can accommodate you with a wide variety of loan services. We offer competitive rates, flexible terms and convenient ways for you to apply.

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.

 

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 "Less than perfect credit"

Personal Loans

Hartford Federal Credit Union has personal loans to fit all your needs. Whether it’s a loan for purchases big or small, a well-deserved vacation, or even debt consolidation, we’re here to help. There are no application fees and our loans range from a minimum of $500 to a maximum of $25,000 with terms up to five years.

When applying for a personal loan at Hartford Federal Credit Union, the following documents are required:

  • Copies of your two most recent paystubs or other acceptable verification of income
  • Completed Personal Loan Application

Apply online by clicking the Apply button below.
 

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Kwik Kash Line of Credit provides you with a convenient cash reserve and worry-free checking! If you inadvertently write a check for more than your share draft checking account balance, additional funds are available to pay the check from your Kwik Kash Line of Credit. If you’re faced with an unexpected purchase or expense, Kwik Kash can provide the funds as you need them by automatically transferring the appropriate amount to your share draft checking account in increments of $100, up to your approved limit. Kwik Kash prevents you from incurring overdraft transfer fees and the hassles involved with a bounced check. Save yourself from insufficient fund fees, late fees, and preserve your credit.  Apply for a Kwik Kash Line of Credit up to a maximum of $15,000.

What you will need:

When applying for a Kwik Kash Line of Credit at Hartford Federal Credit Union, the following documents are required:

  • Completed Loan Application
  • Copies of your two most recent paystubs or other acceptable verification of income

Apply online by clicking the Apply button below.
 

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