Auto Loans
Great rates and excellent service! Combining our lending experience with AutoSMART and soon you’ll be driving in your perfect car.Â
We finance new and used vehicles or we can help you refinance to a lower rate from another institution and help save you money!
BENEFITS
- Fixed Rates
- Flexible Terms
- Pre-approval Available
- You Don’t Need Perfect Credit
- Apply Online, in a Branch, or Call Us!
Financing Options
Best Auto Loans
For great deals on auto loans, get your next vehicle financed at Hercules First Federal Credit Union. You’ll get a great rate and flexible terms. You don’t need perfect credit and we’re great to work with if you ever have to miss a payment or two.
Dealer Loans
You have the option and convenience of having the auto dealer do the paperwork on your loan. Just request they send it to Hercules First Federal Credit Union.
AutoSmart
When the time comes to buy your next car, we’ve got you covered. Designed just for our credit union members, AutoSMART is our powerful online car shopping website with tons of features to help you enjoy your car shopping experience.
- Search from millions of vehicles
- Get pre-approval for credit union financing with us
- Search for cars anywhere, anytime, from and device
- Find the exact car you want using advanced search filters—or build it from scratch
- VIN-level price analysis to find out a vehicle’s fair market pricing, plus your trade-in value
- Read honest opinions from real buyers to identify top local dealers.
AutoSMART can help you make confident, smart buying decisions, and lead you to a great deal on the car you really want. If it’s out there, we’ll help you find it.
Motorcycle Loans
Motorcycle riders are a breed of their own. Hercules First Federal Credit Union’s motorcycle loans are designed to bring the freedom of the open road to our members with low interest rates, flexible terms and customizable options. We’ll help fit the payment for your new or used cruiser, chopper, sports bike or touring bike into your budget.
- Low Rates
- Flexible Terms
- Customizable Options
- Affordable Payments
Recreational Vehicle (RV) Loans
Hercules First Federal Credit Union can help you get the boat, motorhome, travel trailer, camper, tent trailer, horse trailer, wave runner, snowmobile, ATV or whatever RV that’ll get your family out of the house.
Watercrafts
We have great rates available for your new boat. In addition, most boats have the advantage of depreciating slower than other RV’s so you can generally get longer financing and a lower monthly payment!
BENEFITS
- Low Rates
- More Flexible Terms (Longer Terms)
- You Don’t Need Perfect Credit
Motorhomes
For those that want to see the country and take the comforts of home with them, a Motorhome is the only way to go!
BENEFITS
- Low Rates
- Flexible and Customizable Terms
- Affordable Payments
ATVs
We’re lucky to have some of the world’s best scenery right here in Utah. Get out there with a new ATV and see it all. Hercules First Federal Credit Union can help you with an ATV loan.
BENEFITS
- Low Rates
- Flexible Terms
- Customizable Options
- Affordable Payments
New & Used Auto and 750cc + Motorcycle Loan Rates
| FICO Score | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|
| 730+ | 6.19% APR* | 6.49% APR | 6.99% APR | 7.49% APR |
| 700+ | 6.69% APR | 6.99% APR | 7.49% APR | 7.99% APR |
| 670+ | 8.19% APR | 8.49% APR | 8.99% APR | 9.49% APR |
| 640+ | 10.19% APR | 10.49% APR | 10.99% APR | 11.49% APR |
| 600+ | 13.19% APR | 13.49% APR | 13.99% APR | 14.49% APR |
| 550+ | 15.69% APR | 15.99% APR | 16.49% APR | 16.99% APR |
| 549 or less | 16.69% APR | 16.99% APR | 17.49% APR | 17.99% APR |
Rates current as of:
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 3.84% APR and a 60 month term is $18.34 per $1,000. Membership required. Based on eligibility.
New & Used RV's
| FICO Score | 72 Months | 84 Months | 96 Months | 120 Months |
|---|---|---|---|---|
| 730+ | 8.19% APR* | 8.49% APR | 8.89% APR | 9.29% APR |
| 700+ | 8.59% APR | 8.99% APR | 9.39% APR | 9.79% APR |
| 670+ | 10.09% APR | 10.49% APR | 10.89% APR | 11.29% APR |
| 640+ | 12.09% APR | 12.49% APR | 12.89% APR | 13.29% APR |
| 600+ | 15.09% APR | 15.49% APR | 15.89% APR | 16.29% APR |
| 550+ | 17.09% APR | 17.49% APR | N/A | N/A |
| 549 or less | 17.59% APR | 17.99% APR | N/A | N/A |
Rates current as of:
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 5.84% APR and 60 month term is $19.26 per $1,000 borrowed. Membership required. Based on eligibility.
Other rates & terms available, call for details.
