Auto Loans

Shopping for a new or used car or truck? You've already got plenty to think about: Makes, models, optional equipment, colors and so on. When it comes to financing, make it easy on yourself with an auto loan from Habersham FCU. We have loans available for new and used cars and trucks. Our loans feature competitive interest rates and the kind of efficient, personalized service that only your credit union can provide.

New Auto Loans: Annual Percentage Rates As Low As
Terms from 36 to 72 Months 2.49% ***

Used Auto Loans: Annual Percentage Rates As Low As
Terms from 36 to 72 Months (if $15,001 +) • Year Models 2015-2018 2.49% ***
Terms from 36 to 72 Months (if $15,001 +) • Year Models 2011-2014 4.49% ***
Terms Up To 48 Months • Year Models 2008-2010 6.49% ***
Terms Up To 24 Months • Year Models 2007 and older 8.49% ***


Loan Calculator

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***Represents lowest available rate minus .50% discount with automatic payment from an existing HFCU checking account with established direct deposit. Not all members will qualify for minimum terms & conditions. All loan approvals are subject to normal underwriting guidelines. Actual Annual Percentage Rate (APR) and loan terms may be based on, but not limited to: individual's credit history, age of vehicle being financed and length of term. These rates do not apply to existing loans financed through HFCU.

We offer GAP (Guaranteed Auto Protection) insurance on your loan through Evans, Simpson and Associates for a one-time fee of $450. This insurance will pay off any loan balance remaining after your insurance company has settled if the vehicle is stolen or totaled. GAP coverage also includes ADR (Auto Deductible Reimbursement) for 3 full years, which will reimburse up to $500 of your deductible for a claim on any vehicle you own and insure.

Please note that Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Insurance may be purchased from an agent or an insurance company of the member’s choice; and Credit Union makes no representations as to the services of any provider.

USA PATRIOT Act Notice: To help the government fight the funding of terrorism and money laundering, federal law require us to obtain your name, date of birth, address and a government‐issued ID number before opening your account, and to verify the information. In certain circumstances, we may obtain and verify comparable information for any person authorized to make transactions in an account. Additional documentation may be required for certain entities, such as trusts, estates, etc. Your account may be restricted if we cannot obtain and verify this information. We will not be responsible for any losses or damages that may result if your account is restricted or closed.