Auto Loans
90 Days No Payment2
The right vehicle makes life easier. The right loan makes it affordable. Whether you’re buying a new ride, upgrading your current vehicle, or refinancing from another financial institution, Health Advantage Credit Union offers auto financing designed to support your budget and your goals. Take advantage of rates as low as 4.65% APR1, flexible terms, and 90 days before your first payment2.
At Health Advantage Credit Union, we understand that your vehicle is more than transportation — it’s how you get to work, care for family, handle daily life, and stay connected to the moments that matter most. That’s why we offer auto financing designed to be practical, affordable, and easy to manage. With local decisions, personal guidance, and loan options built around real-life budgets, we’re here to help you feel confident about your next vehicle or refinancing decision.
What You Can Expect
Our process is straightforward, our decisions are made locally, and our team is here to help you every step of the way. From application to approval, we make financing your vehicle feel simple and stress-free.
- Competitive Rates
- Flexible Terms to Fit Real-Life Budgets
- Quick and Easy Application Process
- Local Decisions and Caring, Knowledgeable Service
Flexible, affordable payment options
Our auto loans offer flexibility so you can choose what works best for your situation. With a pre-approval, you can visit the dealership prepared and ready to move forward.
Thinking About a Change?
If you're currently making payments elsewhere, consider moving your loan to Health Advantage Credit Union. You could reduce your rate or lower your monthly payment, giving you more breathing room in your budget.
- Low Rates
- Low cost life & disability insurance
- No prepayment penalty
- Fast, friendly service
- Auto Loan Calculator
- Blue Book Prices
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Recreational Vehicle Loans
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1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 4.65% APR for a term of 60 months would require 60 monthly payments of $18.86 based on 90 days to first payment.
2HAFCU is offering no payment due up to 90 days after the origination of a new approved auto, motorcycle or recreational vehicle loan. Interest will start to accrue from the date the loan is originated. Existing auto loans with HAFCU are not eligible for the 90-day no payment offer.
Dealer financed loans are not eligible for the 90-day no payment offer. Offer available to eligible loan applications approved between April 1, 2026 and June 30, 2026. Rates, terms, and conditions vary based on each member’s creditworthiness, underwriting standards, and collateral conditions. All loans are subject to credit approval. All credit union loan offers, programs, rates, terms, and conditions are subject to change at any time without notice. Other restrictions may apply. Call the credit union for full details at 989-791-7070 ext. 3501.
