Exceptional value and straightforward terms.

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PURCHASING

Ready to go shopping?  Harvard FCU can get you pre-approved ahead of time so when you find the right vehicle, you’ll be all set  to drive it home.

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REFINANCING

Already got a loan somewhere else? No problem! Whether you got it last week or last year, you could still save by moving it to Harvard FCU.

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LEASE BUYOUT

Looking to buy out your lease? Harvard FCU can help with that, offering competitive rates and flexible terms.

Check Rates!

Harvard FCU offers the same low rates on new and used vehicles as well as some exceptional member discounts.

Adventure Awaits with Boat & RV Loans

Why go with a
Harvard FCU Auto Loan?

Why go with a Harvard-FCU Auto Loan

REMARKABLY AFFORDABLE

  • Same Low Rates on New or Used Vehicles
  • No Application Fees or Prepayment Penalties
  • Exceptional Member Discounts
    Auto-Pay Discount: 0.25% off rate for Automatic Payment from a Harvard FCU Crimson or Smart Rewards Checking Account

REFRESHINGLY SIMPLE

  • 115% Financing1
  • Quick and Easy Process
  • Flexible Terms
  • Remote Loan Closings
  • Option to defer first payment for 60 days3

Ready to get started?

If you have already submitted an application:

1. Certain credit restrictions apply. 115% financing on auto loans is subject to credit review and a down payment could be required.  
2. Please consult a tax advisor.
3. No Payment for 60 Days – Qualifying members may select to defer their first payment for 60 days from the loan funding date. Interest will accrue during the deferral period and this offer is subject to credit union approval. This is optional, you may start paying your loan off right away. This option is only for automobiles. 

Loan Example: $1,000.00 loan at 5.7% APR for 60 months. Monthly payment is $19.19 with total finance charges of $151.62 and total repayment of $1,151.62.

Subject to credit approval and Membership with the Harvard Federal Credit Union. Certain restrictions may apply. Your rate will be determined by individual credit worthiness.  Vehicle loans approved are subject to perfecting a security lien interest prior to loan closing on the pledged collateral. All owners of the vehicle will need to sign on the loan. We may not be able to offer financing on vehicles titled and registered in certain states outside of Massachusetts.
Used vehicle rates subject to age and mileage restrictions 
We do not refinance our own auto loans.