Auto Loans

Great rates and excellent service! Combining our lending experience with AutoSMART and soon you’ll be driving in your perfect car. 

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!
Man and kids taking a selfie while driving.

Financing Options

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.

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.

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.

Click here to start your search!

1.99% APR on 3-Year Vehicle Loans!

For a limited time only.

Motorcycle driving down a street at sunset.

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.

You can get the same great rates on your new boat that you get on an auto loan. In addition, most boats have the advantage of depreciating slower than a car so you can generally get longer financing.

BENEFITS

  • Same Great Rates as an Auto Loan
  • More Flexible Terms (Longer Terms)
  • You Don’t Need Perfect Credit

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

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
ATV going off a jump.
ATV going off a jump.

Auto, RV, Boats & Motorcycle Loan Rates

FICO ScoreUp to 60 MonthsUp to 72 MonthsUp to 84 Months
730+2.79% APR*3.25% APR4.00% APR
700+3.75% APR4.09% APR4.55% APR
670+4.05% APR4.49% APR6.19% APR
640+5.64% APR7.64% APR8.40% APR
600+7.89% APR10.15% APR11.15% APR
550+11.04% APRN/AN/A
549 or less16.89% APRN/AN/A

Rates current as of:

October 24, 2021

*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.

Other Vehicle Loans

TypeF/VTermAPR*
ATVs & ToysFixedup to 5 Yearsas low as 5.24%
SignatureFixedup to 5 Yearsas low as 8.95%

Rates current as of:

October 24, 2021

*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.