Harborstone Credit Union: No One Takes Better Care of You
Auto Concierge

Vehicle Loans

Affordable financing for new and used vehicles with no application fees.
Loans are available for cars, trucks, boats, RVs, motorcycles, and airplanes.

You may already be preapproved for enticing Harborstone loan offers. If you're a current Harborstone member, simply log in to your Online Banking account and look for the "My Offers" tab along the top of the web page to view your current offers. When you're ready to take advantage of your preapproved loan, all you have to do is click "Accept Offer."

  • Auto Pass Loan
  • Financing
  • Inventory Search
  • Vehicle Research
  • GAP and Debt Protection

What should I consider when I research vehicles?

Vehicle Research

Harborstone is here to offer the guidance and advice you need to check rates, calculate your payments, find out what you can afford, and more to help you decide which loan is right for you. Our vehicle research website provides helpful details for every aspect of your car-buying experience.

When reviewing and contemplating a vehicle to purchase, consider the following:

Vehicle values. Use Kelley Blue Book, NADA, or Black Book to find the most up-to-date retail (and future trade-in) information for your vehicle.

Vehicle history report. This is the easiest way to research the history of a vehicle. It gathers all of a vehicle's insurance and DMV records in one place. At a glance, you can tell if there have been major accidents, odometer problems, flood damage issues, or if the vehicle is a lemon. Try AutoCheck, CarFax, Car History, or the DMV (Department of Motor Vehicles).

J.D. Power ratings. All J.D. Power ratings for new or used vehicles are based on verified owner feedback and are used by companies worldwide to improve quality and customer satisfaction.

Recalls/technical services bulletins. The website safercar.gov, powered by the National Highway Traffic Safety Administration (NHTSA), offers in-depth information and specifications on current model vehicles, including reviews; safety, warranty, and recall data; and much more. Or you may look up a car's make and model on the manufacturer's site for details.

Credit scores. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months. To order your free annual credit report, visit annualcreditreport.com.

Tips, advice, tools, and more. Read articles that cover all aspects of car buying and selling, as well as important vehicle ownership issues. Use the financing calculators to find out what vehicle you can afford and how much your vehicle payment will be. We'll provide the expert car advice and tips you need to make safe and economical decisions.

To get your Auto Pass, apply online now.

 
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All loans and collateral are subject to Harborstone Credit Union lending policies. Loan rates are subject to change based on market conditions and borrower eligibility. Your personalized rate will be based on the loan amount, your credit qualifications, and the amount you're borrowing. Your term is determined by the loan amount and the year of the vehicle. Loans currently financed with Harborstone Credit Union cannot be refinanced with any of these offers. Offer does not apply to vehicles used for or registered to a business. Offers are not transferable and may not be combined with other Harborstone Credit Union offers. Interest will accrue during 90-day-no-payment offer. Not all loans will qualify for the option to skip two payments. Maximum of two skipped payments per rolling calendar year. Other restrictions may apply.
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