Exceptional value and straightforward terms.

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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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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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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.

Introducing Boat and RV loans!

Why go with a
Harvard FCU Auto Loan?

Why go with a Harvard-FCU Auto Loan


  • 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
    Green Discount: 0.25% off rate for purchasing a hybrid or electric vehicle1


  • 110% Financing2
  • Quick and Easy Process
  • Flexible Terms
  • Remote Loan Closings
  • Option to defer first payment for 60 days4

Green Auto Loan

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If you plan to purchase a hybrid or electric (all-electric or battery-electric) new or used vehicle, you will receive a 0.25% rate discount on your already great Harvard FCU auto loan rate2. This is our small way of applauding your efforts to reduce your transportation carbon footprint!


Along with those great savings, buying a hybrid or an electric car will also:

  • Help reduce toxic greenhouse gases, which contribute to climate change
  • Save you money on gasoline
  • Make you potentially eligible for a tax credit3

Ready to get started?

If you have already submitted an application:

1. The Green Auto Loan discount is only available to members that purchase a hybrid or electric (all-electric or battery-electric) vehicle. 2. In order to keep our rates competitive we do not refinance our own auto loans. 110% financing on auto loans is subject to credit review and a down payment could be required. 3. Please consult a tax advisor. 4. 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 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 7.99% for 72 months. Monthly payment is $17.53 with total finance charges of $262.04 and total repayment of $1,262.04.

Subject to credit approval. 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.