Auto Loans

HOPE makes it happen with an affordable new or pre-owned vehicle loan to meet your needs. 1  

Auto Loans

HOPE makes it happen with an affordable new or pre-owned vehicle loan to meet your needs. 1

New Car Loans

up to three years old

Rates as low as

3.99%2

Rates No Higher than 9.99%

Used Car Loans

more than three years old

Rates as low as

4.99%2

Rates No Higher than 12.99%

New Car Loans

up to three years old

Rates as low as

3.99% 2

Rates No Higher than 9.99%

Used Car Loans

more than three years old

Rates as low as

4.99%2

Rates No Higher than 12.99%

Find a New Road to Your Next Vehicle!

Low rates, flexible terms and generous loan amounts

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 loanHOPE will work with you to help make it happen.

Speak with our team.
Request more information.

Auto Loan Contact Form

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Choose the Loan That’s Right for You ³

Choose the Loan That’s Right for You³

New Car Loan

up to three years old

Enjoy rates as low as 3.99%, terms up to 84 months and up to 100% financing.3

Used Car Loan

more than three years old

Get a pre-owned vehicle for less with rates as low as 4.99%, terms up to 72 months and up to 100% financing.3

Auto Refinance

Get a better rate and pay
less for your current car
loan, or extend your term
to reduce monthly payments.

Interested in a recreational vehicle? Learn about our RV, ATV and Boat Loans.

3 Easy Ways to Start

Brighter futures begin with HOPE: We make it easy to start yours.

1

Visit a Branch

Stop by your nearest branch and complete an application with a representative.

2

Call Us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your application.

3

Request More Information

Find out how easy and affordable financing a vehicle with Hope Credit Union can be.

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1

Visit a Branch

Stop by your nearest branch and complete an application with a representative.

2

Call Us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your application.

3

Request More Information

Find out how easy and affordable financing a vehicle with Hope Credit Union can be.

Current HOPE members can apply for a loan using our digital banking service.

HOPE makes it happen: Find a new road to your next vehicle!

Sizzling Savings on Your
Next Vehicle Loan!

Why Apply for an Auto Loan with Hope Credit Union?

Flexible Lending

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.

Extended Terms

Need more time to pay? Enjoy flexible terms up to 84 months on new vehicles and up to 72 months on used cars.

Low Rates

Don’t get taken for a ride by other lenders. Pay less at HOPE with rates starting at 3.99%2 and no higher than 12.99%2.

Generous Financing

No down payment, no problem! Eligible borrowers can qualify for up to 100% financing on new and used cars.

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Flexible Lending

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.

Extended Terms

Need more time to pay? Enjoy flexible terms up to 84 months on new vehicles and up to 72 months on used cars.

Low Rates

Don’t get taken for a ride by other lenders. Pay less at HOPE with rates starting at 3.99%2 and no higher than 12.99%2.

Generous Financing

No down payment, no problem! Eligible borrowers can qualify for up to 100% financing on new and used cars.

Finance Fun with a Recreational Vehicle Loan

Finance Fun with a Recreational Vehicle Loan

RV Loan

Be ready for your next adventure with an affordable RV or motorhome loan. Enjoy generous financing and flexible terms.

ATV Loan

Go off-roading without throwing your budget off track.
Our ATV loans feature great low rates and terms to fit your lifestyle.

Boat Loan

Set sail with a low-cost boat loan and pay less with lower interest rates and extended terms—all with generous financing.

Member Success Stories

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.

Frequently Asked Questions

You can apply for an auto loan online or branch. Or you can call us and our friendly and knowledgable team members are ready to answer your questions and assist you with your application.

When applying for an auto loan, you will need:

  • Identification, like a driver’s license or passport
  • Your social security or tax identification number
  • Proof of income, like a pay stub


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.

A co-applicant or cosigner can strengthen your application but is not required to apply. A co-applicant or co-borrower has equal ownership of the car and responsibilities for repaying the loan. A cosigner is a guarantor for an auto loan; they have no rights to the vehicle, but they’re responsible for any late or missing payments on the loan. If you’ve been declined for a loan or need a larger loan amount, a co-applicant or cosigner can help you qualify for more money or a better rate. Contact us to learn more about co-applicants and cosigners and if adding one to your loan application is the right choice for you.

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.

At Hope Credit Union, we believe in equal access to economic opportunities, and we seek to provide financial assistance whenever possible to those who are just starting out or rebuilding. Contact us to discuss your specific financial situation and see how we can help.
Paying your loan is easy and convenient. You can pay online using our free HOPENet Online Banking, in a branch or by phone.

Find a Hope Credit Union Branch Near You

Arba Street Branch

400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803

McGehee Road Branch

3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111

College Station Branch

4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424

Little Rock Branch

8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027

West Memphis Branch

1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447

Central City Branch

1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691

Elysian Fields Branch

1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475

Mississippi Coast Branch

188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387

Drew Branch

140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406

Greenville Branch

546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744

Itta Bena Branch

120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054

Medical Mall Branch

350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975

University Boulevard Branch

1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780

Louisville Branch

16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614

Moorhead Branch

917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005

Shaw Branch

134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070

Terry, MS Branch

109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468

Utica Branch

106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137

West Point Branch

470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886

Crosstown Branch

1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501

Harvester Lane Branch

3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518

Madison Avenue Branch

1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133

Ridgeway Branch

2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872

Request more information.

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  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 TypeUp to 60 months
APR as low as
61-72 months
APR as low as
73-84 months
APR as low as
New Vehicle3.99%4.99%5.99%
Used Vehicles4.99%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.