New and Used Vehicles

Extra flexibility. A variety of options.

  • Enjoy NO payments for up to 90 days!*
  • Choose from loan terms ranging from 36 to 84 months with competitive low rates


Hit the Road with Affordable Vehicle Loan Options from JHFCU

Whether you’re looking at a brand new car or you’re considering something pre-owned,** a JHFCU loan streamlines the car buying process, from the application to managing your monthly payments. 


Competitive Rates

Rates typically are 2-3% lower APR*** (sometimes much more) than banks or finance companies

View Rates

Your Choice of Terms

36, 48, 60, 72, or 84 Month Terms


Never Miss a Payment

Get your payment automatically withdrawn with Payroll Deductions or transfer from your JHFCU checking or savings online or in the mobile app

Peace of Mind

Helpful, friendly JHFCU staff walk you through the process

Insurance Coverage

Protect your purchase with GAP, Debt, and Mechanical Maintenance Protection


"Everyone was friendly and welcoming at the Homewood office. But more importantly, the 'blank check' car loan is SO easy and the rates are great. I did this loan in 11/19 and encouraged my son to join JHFCU so he could do the same thing when he bought his first car."

- M. H.

Applying Is Easy

Apply in minutes online, in person, or over the phone. For added convenience, we send a secure email for e-signatures which makes the process extra easy!




Apply Online

Quick and easy online application.




Sign Documents

Agree to the loan amount, rates, and terms.




Receive Your Check

Use your check to buy your new vehicle.


New and Used Vehicle Loans FAQ

*Skipping your first payments up to 90 days extends your maturity date for approximately up to three months. If you have credit insurance coverage on this loan, it does not cover any deferred payments. Note that loan interest will still accumulate, so your final payment on this loan may increase. The option to skip a payment is subject to change or may be discontinued.
**Only valid on New and Used cars purchased within your state of residence. Check will be valued up to the pre-approval amount and other restrictions apply. Vehicle must be no more than 10 years old, and all must have under 125,000 miles.
***APR = Annual Percentage Rate

When applying for a used car loan for a car purchased through a private dealer, you may need to submit additional materials along with your application, such as purchase order or inspection certificate, etc.