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Holyoke Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

A quick review of Holyoke Credit Union auto loans

Holyoke Credit Union logo

Holyoke Credit Union (HCU) serves members from Hampden and Hampshire counties in Massachusetts. HCU has accessible auto loans and motorcycle financing for new and used vehicles. Qualified members can secure rates starting at 7.91% APR and repayment periods stretching up to 84 months.

Want to see what a Holyoke auto loan will cost? Try the Holyoke Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Holyoke Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $80,000.
  • Interest rates: From 7.91% APR.
  • Loan terms: 24 to 84 months.
  • Loan fees: No application fees.
  • Discounts: Undisclosed.

HOLYOKE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re after new or pre-owned vehicles, Holyoke CU offers auto loans with workable rates and longer terms of up to 84 months. You can pick to either buy or refinance your existing loan. The starting rate for 2021 to 2023 model years is 7.91% APR. Then, 2016 to 2020 models start at 8.01% APR.

Motorcycle loans

You can travel the road with your two-wheel ride, too. Holyoke CU has loans tailored to new and used motorcycles for up to a 72-month term. For 2019 to 2023 models, rates begin at 8.09%. Meanwhile, 2016 to 2018 models have APRs of 8.49%.

Holyoke Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Holyoke Credit Union

Holyoke Credit Union auto loan

Holyoke Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Holyoke Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Holyoke Credit Union auto loan

Eligibility criteria

While Holyoke CU doesn’t specify the exact criteria, you usually need to be:

  • A Holyoke CU member
  • At least 18 years old
  • Employed or have a stable source of income

Each credit union has a unique set of eligibility criteria for vehicle financing. So, ensure you compare different lenders and weigh your options. This way, you can get an auto loan that matches your needs and circumstance.

What you’ll need to have ready

When you apply for auto financing with Holyoke Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide HCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than the documents, it helps to inquire about any down payment requirements, too. Some financial institutions need a down payment, but others don’t. Nevertheless, being clear about this from the start can help you prepare your budget and avoid unexpected costs.

Ways to apply for a Holyoke Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (888) 305-8530

Additional Holyoke Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Credit unions may take 1 business day to a few weeks based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, over the phone, and in person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: 9 years old.
  • Maximum vehicle mileage: 85,000 miles.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Longer repayment terms.
  • No application fees.
  • Easy online application.
  • Up to 100% financing.
  • Multiple local partner dealerships.
  • Competitive pricing for GAP insurance and mechanical breakdown protection.
  • Stress-free car buying with AutoSMART.
  • Potential lower rates for members in good credit standing.

Cons

  • Undisclosed loan fees.
  • Lack of loans for recreational vehicles.
  • Limited to members.

FREQUENTLY ASKED QUESTIONS

How to join Holyoke CU?

Anyone who lives or works in Hampden or Hampshire counties in Massachusetts can join Holyoke.

What is the maximum term of a Holyoke Credit Union car loan?

You can stretch your loan payments for up to 84 months.

Does HCU refinance auto loans?

Yes. You can switch your vehicle loan to Holyoke Credit Union.

Where can I apply for a Holyoke CU auto loan?

You can apply online, drop by a nearby branch, or call HCU.

What information do I need to provide when applying for HCU vehicle finance?

You usually need to provide your personal and contact details. HCU may also ask for income and employment verification depending on your case. And if you’re refinancing your loan, you may need to prepare the vehicle’s make, model, year, and vehicle identification number (VIN).

How much interest does Holyoke Credit Union charge on auto loans?

2021 to 2023 model years may have APRs starting at 7.91%. Meanwhile, 2016 to 2020 models start at 8.01% APR, while 2014 to 2015 models begin at 8.31% APR.

How much do I qualify for with a Holyoke Credit Union vehicle loan?

You may borrow up to $80,000. However, this may depend on your credit profile, loan term, collateral, and more.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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