Auto-Recreational Loans

We offer financing for new and used vehicles, recreational vehicles, motorcycles, all-terrain vehicles, boats, and more!

Highlights of an auto loan at HCU:

  • Competitive loan rates
  • Pre-approval -- Find out how much you can afford before you begin shopping for your vehicle.
  • Automatic payment options
  • Payment Protection
  • Gap Protection - Vehicle values decline rapidly.  That’s why your insurance settlement, in the event of an accident, may not cover your entire loan balance.  Unless, of course, you have Guaranteed Asset Protection (GAP) Advantage! GAP Advantage is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). Additionally, GAP Advantage also provides you with a credit of up to $1,000 towards the financing of a replacement vehicle if done so within the same financial institution. Contact HCU to learn how to protect your investment.  
  • Mechanical Breakdown Protection- A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.  The Route 66 Extended Warranty is the most comprehensive coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “peace of mind” because even the most reliable vehicle can develop a mechanical problem at any time. 

Current Rates | Apply Online


Do you currently have an auto loan with HCU and need to provide proof of insurance? If so, please Upload Proof of Insurance for your auto loan.

Additional Links

How much car can I afford?

Drive Away Happy: Car Buying Decisions

Cyber Drive Illinois

Illinois Department of Natural Resources

Enterprise Car Sales