New & Used Auto Loans

A smarter way to get on the road.

From your first car to your next upgrade, the road to financing your ride is simple, supportive, and straightforward.

Competitive, Low Rates
Competitive, Low Rates
Flexible Terms
Flexible Terms
Easy Auto-Payments
Easy Auto-Payments
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New and Used Vehicles

Hit the road with confidence when you finance your next vehicle with JHCU! Whether you’re looking to buy a new or used car, choose a financial solution with built-in support—from starting the application to managing your monthly payments.

Features & Benefits

  • Competitive rates
  • No payments for 90 days2
  • Terms up to 84 months1
  • Protective coverage available 
  • Personalized service from start to finish

Our Rates

Loan Type
Term
APR* as low as

New Auto

Term
72 months or less**
APR* as low as
4.99
%
Term
84 months†**
APR* as low as
5.49
%

Used Auto

Term
72 months or less**
APR* as low as
4.99
%
Term
84 months†**
APR* as low as
5.49
%

Used Auto (8-10 Yr Old Vehicle)

Term
72 months or less; max 125K miles†**
APR* as low as
6.99
%
Term
84 months; max 125K miles†**
APR* as low as
7.49
%
Steps to Apply

Applying is fast and easy.

1
Apply Online
Apply and submit an application easily online in minutes.
2
Sign Electronically
Do everything from the convenience of your home or office.
3
Receive Your Check
Use your check to buy your new vehicle.
StarStarStarStarStar
"I purchased a new car and obtained financing through a finance company at a 12% interest rate. JHFU was able to refinance my vehicle and lower my monthly payments. I am thrilled with JHCU and the time and attention they provided to me. Thank you!"

–S. C.

Quote
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Personalize your financial roadmap with JHCU

Create a plan tailored to your goals, income, and life stage. Start building a clearer path toward financial confidence today.

Get Your Roadmap
FAQs

Frequently Asked Questions

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Contact Us

Ask about our

New & Used Auto Loans

Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.

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Disclosures

1Must be pre-approved

APR=Annual Percentage Rate. Rates are determined by an evaluation of theapplicant’s credit, loan-to-value (LTV), and upon refinancing your non-JHFCU loan. Your actual rate may vary. Down payment may be required.  Property and flood insurance may be required, therefore the actual payment obligation would be greater. Rates are subject to change. Calculate estimated payment.

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.

For vehicles 8-10 years old and all recreational vehicles you can only finance 100% of the value. The value is reported by JD Power at the time of the loan request.


2Skipping 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.