Vehicle Loans

auto loans

My Healthcare FCU is your first stop if you’re thinking of purchasing or refinancing a vehicle. We finance new and used cars, trucks, SUVs, motorcycles, and vans with flexible terms, competitive rates and a variety of repayment options. We offer the same low rate on both new and used vehicles, whether purchasing or refinancing from another lender.

Auto Rates as low as 1.24% APR*!

Make sure to get pre-approved with My HCFCU for your auto loan before you visit the dealer. You can shop in confidence knowing your approved loan amount and estimate monthly payment; without getting trapped into the dealer’s finance office where they can make more money by selling your loan to other finance companies.

If you’re in the market to purchase a car, make sure to utilize our complimentary, concierge car-buying service with Auto Advisors. Our dedicated Auto Advisor representative will take the hassle, haggle and pressure out of your car buying experience, while improving your knowledge of the buyer process and transaction details. Plus, you’ll save 0.25% APR on your approved loan rate when you purchase a vehicle through Auto Advisors.

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Specialty vehicle loans

Financing that big toy shouldn’t take the fun out of the adventure. Whether you’re looking for a new boat, travel trailer, RV, motorcycle, jet ski or some other recreational vehicle; My Healthcare FCU is here to help you pay for it. We offer competitive fixed rate recreational vehicle loans, with terms up to 240 months.

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GAP & LOAN PROTECTIONS PLANS

Mechanical Breakdown Protection and GAP provide peace of mind so you can experience Worry-Free Driving! For more information or to obtain a quote, contact a MyHCFCU Member Services Representative.

Mechanical Breakdown Protection

Your vehicle is a major investment. That is why purchasing Mechanical Breakdown Protection (MBP) is a wise choice. MBP can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure.

MBP is available for autos, motorcycles and powersport vehicles, even if you didn’t get the loan through MyHCFCU.

GAP Coverage

GAP (Guaranteed Asset Protection) Coverage protects you in the event of an accident, protecting your vehicle in the event that your insurance provider will not cover the balance of the loan in full. GAP Coverage is available for Autos, Motorcycles, ATVs, Golf Carts, Jet Skis, Snowmobiles, Boats, Motorhomes and Travel Trailers.

Another great benefit of our GAP policy is that it offers FREE Auto Deductible Reimbursement (ADR). ADR reimburses the deductible for any loss covered by the borrower’s auto insurance policy for ALL passenger vehicles owned or leased AND all insured under the policy by the enrolled member. The benefit is effective upon enrollment and continues for 3 years, offering $500 deductible reimbursement per loss, for unlimited losses per year.

Auto Insurance

Save on car insurance with TruStage Auto & Home Insurance Program! It can be hard to find the best car insurance. TruStage keeps you on the road and protected. Our relationship with a leading provider like Liberty Mutual means your policy can fit your budget and your needs. You could benefit from accident forgiveness, 24-hour roadside assistance and a 12-month rate lock by switching today. We’ll even replace your car if it’s totaled with a model that’s one year newer.

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*APR = Annual Percentage Rate. Subject to loan approval. Rates vary by creditworthiness and term of loan. 0.99% APR rate includes 0.25% rate discount for using Auto Advisors service in purchasing vehicle.