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up to three years old
Rates No Higher than 9.99%
more than three years old
Rates No Higher than 12.99%
up to three years old
Rates No Higher than 9.99%
more than three years old
Rates No Higher than 12.99%
With credit-building resources and personal support, Hope Credit Union’s affordable auto loan solutions is ready to help make car ownership happen for you, no matter your income or credit. Whether you want to buy a new or pre-owned car, an SUV, truck or recreational vehicle, or refinance your existing auto loan, HOPE will work with you to help make it happen.
Auto Loan Contact Form
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up to three years old
more than three years old
Get a better rate and pay
less for your current car
loan, or extend your term
to reduce monthly payments.
Brighter futures begin with HOPE: We make it easy to start yours.
Stop by your nearest branch and complete an application with a representative.
Our friendly and knowledgeable team is ready to answer your questions and assist you with your application.
Find out how easy and affordable financing a vehicle with Hope Credit Union can be.
We know you’re more than your credit score. Whether you’re starting out or starting over, we can help you get on the road with a car loan.
Need more time to pay? Enjoy flexible terms up to 84 months on new vehicles and up to 72 months on used cars.
No down payment, no problem! Eligible borrowers can qualify for up to 100% financing on new and used cars.
We know you’re more than your credit score. Whether you’re starting out or starting over, we can help you get on the road with a car loan.
Need more time to pay? Enjoy flexible terms up to 84 months on new vehicles and up to 72 months on used cars.
No down payment, no problem! Eligible borrowers can qualify for up to 100% financing on new and used cars.
Be ready for your next adventure with an affordable RV or motorhome loan. Enjoy generous financing and flexible terms.
Go off-roading without throwing your budget off track.
Our ATV loans feature great low rates and terms to fit your lifestyle.
Set sail with a low-cost boat loan and pay less with lower interest rates and extended terms—all with generous financing.
The power of HOPE enables our members to live their best lives. See how we’ve empowered their financial success—and how we can help you too.
When applying for an auto loan, you will need:
When you’re ready to secure a loan on a specific vehicle, you will need to provide the vehicle’s information, including the purchase price, the vehicle identification number (VIN), year, make, model, mileage, and title. You’ll also need to provide proof of insurance for the car.
If it sounds like a lot of paperwork, don’t be overwhelmed. The team at Hope Credit Union helps members
just like you with applications every day. We’re ready to assist with your application so you can drive off in
your dream car with an affordable loan.
You will receive a decision within 48 hours of your completed application.
When applying in a branch or over the phone, we can provide instant decisions and review your financing
options.
Your first payment is due 30 days after you receive your loan. You can find your payment due date on
your closing documents and your monthly statement.
400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803
3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111
4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424
8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027
1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447
1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691
1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475
188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387
140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406
546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744
120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054
350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975
1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780
16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614
917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005
134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070
109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468
106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137
470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886
1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501
3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518
1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133
2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872
Auto Loan Contact Form
"*" indicates required fields
Disclaimers
*These rates include 0.25% rate reduction for automatic draft payments
¹ Loans are subject to approval.
² “APR” is Annual Percentage Rate. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. A loan with the lowest advertised interest rate of 3.99% (4.092% APR) on a new vehicle (up to 3 years old) for $20,000.00 (minimum) over 60 months (maximum) would have a monthly payment of $368.28. A loan with an interest rate of 5.99% (6.033% APR) on a new vehicle (up to 3 years old) for $35,000.00 (minimum) over 84 months (maximum) would have a monthly payment of $511.23. A loan with an interest rate of 12.99% (13.124% APR) for 48 months on a used vehicle would have a monthly payment of $536.61. Additional rates and terms are available. Advertised rates are available on loans made from August 1, 2024, through December 31, 2024.
| Loan Type | Up to 60 months APR as low as | 61-72 months APR as low as | 73-84 months APR as low as |
|---|---|---|---|
| New Vehicle | 3.99% | 4.99% | 5.99% |
| Used Vehicles | 4.99% | 5.99% | N/A |
³ Term of 72 months only available for vehicles up to 5 years old and loan amounts of at least $20,000. Term of 84 months term only available for vehicles up to 3 years old and loan amounts of at least $35,000.
