Auto Loans

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Q: Do you offer Cash-Out Auto Refinancing and how does it work ?

Yes we offer cash-out auto refinancing! A cash-out auto refinance loan allows you to access some of the equity in your vehicle by refinancing your current auto loan for a higher amount. This new loan covers your existing loan balance, plus an additional sum based on the equity you’ve built up in the vehicle. You receive the difference in cash, which you can use for a variety of purposes, such as consolidating debt, covering bills, or making major purchases—though certain restrictions may apply. Much like a traditional auto refinance, your new loan may offer benefits such as a lower interest rate, an adjusted loan term, or both. The key difference with a cash-out refinance is that the new loan amount is larger than the original loan. Example: Imagine your car is worth $20,000, and your remaining loan balance is $10,000. By refinancing for $20,000, you would receive the $10,000 difference in cash. You can apply for a cash-out auto refinance by clicking one of our “Apply Today” buttons above and filling out an online application.

Low-rate loans and flexible terms will put you behind the wheel of a new or used car. Start the pre-approval process today and lock in the best rate for your loan.

Rates as low as 4.24% APR*

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Featured Benefits

Best-in-Class Rates

Great rates on new and used vehicles.

Fast & Easy Pre-Approval

Find out what you qualify for before you buy.

No Payments for 90 Days

Make no payments for the first 90 days.

Purchase & Refinance Rates

Terms	Vehicle Models 2022-2026	Vehicle Models 2019-2021	Vehicle Models 2018 & Older
24 Months	N/A	5.24% APR	7.75% APR
36 Months	3.99% APR	5.24% APR	7.75% APR
48 Months	3.99% APR	5.49% APR	8.00% APR
60 Months	3.99% APR	5.74% APR	N/A
72 Months	4.24% APR	6.74% APR	N/A
84 Months	5.24% APR	N/A	N/A

Terms

Vehicle Models
2022-2026

Vehicle Models
2019-2021

Vehicle Models
2018 & Older

24 Months

N/A

5.24% APR

7.75% APR

36 Months

3.99% APR

5.24% APR

7.75% APR

48 Months

3.99% APR

5.49% APR

8.00% APR

60 Months

3.99% APR

5.74% APR

N/A

72 Months

4.24% APR

6.74% APR

N/A

84 Months

5.24% APR

N/A

APR = Annual Percentage Rate. Offers listed herein are for eligible HRCCU members for new/used vehicle and motorcycle loans effective in 2026. Rates listed are for $3,001 minimum amount financed and include a .25% APR discount for having automatic payments. Member must credit qualify. Rates listed are for credit scores of 740+. Other rates available. A credit report fee of $5.00 may be charged. Terms and conditions may apply. Offers/terms listed above are subject to change without notice. HRCCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $250 per car or truck loan. All other collateralized loans will incur a fee of $250 per loan. 84 month term is for new vehicles only. 90-Day No Pay Loan Special is for new or used vehicles only. Promotion starts April 24, 2020 and will run until further notice. No payment required for the first 90 days with all approved loans at the member’s request. Interest will accumulate from date of loan booking. Normal discounts can apply. All other loan guidelines apply.

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Frequently Asked Questions

You can apply for an auto loan online in just minutes—there’s no fee to apply, and most decisions are made the same day we receive your application. If your application requires more review, we’ll notify you via email when a decision is ready.

You can also schedule an appointment at an HRCCU branch location or contact us at 518-886-3400, option 3, to apply over the phone at your convenience.

When you review rates and apply for an auto loan with HRCCU, you’ll need to provide personal information, including your name, address, Social Security number, employment details, income, U.S. citizenship status, and email address.

Depending on your loan request, the following documents may be required before closing: purchase agreement or bill of sale, registration, title, lease buyout instructions, proof of income, federal tax returns, W-2s, and financial statements.

For refinance loans, we’ll also need specific vehicle information, including the make, model, year, mileage, and Vehicle Identification Number (VIN).

Most decisions are available within the same day we receive your application. However, there are cases where applications require a more detailed review, so this can take additional time.

Absolutely! Getting pre-approved for an auto loan before heading to the dealership gives you peace of mind, as you’ll know exactly how much car you can afford. It also strengthens your position during negotiations, helping you secure a better deal.

Your rate is guaranteed for 30 days from the date of original application approval.

Yes we offer cash-out auto refinancing!

A cash-out auto refinance loan allows you to access some of the equity in your vehicle by refinancing your current auto loan for a higher amount. This new loan covers your existing loan balance, plus an additional sum based on the equity you’ve built up in the vehicle. You receive the difference in cash, which you can use for a variety of purposes, such as consolidating debt, covering bills, or making major purchases—though certain restrictions may apply.

Much like a traditional auto refinance, your new loan may offer benefits such as a lower interest rate, an adjusted loan term, or both. The key difference with a cash-out refinance is that the new loan amount is larger than the original loan.

Example: Imagine your car is worth $20,000, and your remaining loan balance is $10,000. By refinancing for $20,000, you would receive the $10,000 difference in cash.

You can apply for a cash-out auto refinance by clicking one of our “Apply Today” buttons above and filling out an online application.