Consumer Loans

Auto Loans

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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. There’s no “one size fits all” 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.

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.

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 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.

Apply online by clicking the Apply Now button below.

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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.

With our Personal Loans, we also offer Credit Life and Disability Insurance Protection.

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

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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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Private student loan options to help you reach your goals.

Student loans from Hartford Federal Credit Union in partnership with Sallie Mae® could help!

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty¹
• Options for undergraduate and career training students
• The graduate loan suite designed to meet the needs of students in specific fields of study

Find out which loan is right for you

Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. These loans are made by Sallie Mae Bank. Hartford Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product. ¹ Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. ©2026 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.