No Payments Until February 2025*

Take a break from auto loan payments this holiday season when you finance with us!

• No payments until February 2025*
• Rates as low as 5.24% APR for 60 months*
• New or Pre-owned Vehicle Purchases
• Refinance of Current Vehicles From Another Lender

Apply Now

New Auto Loans

Shopping for a new car or truck? Take a look at our exclusive auto loan rates and terms before going with costly dealer financing. Features and qualifications include:

• Financing available up to 100% of the purchase price (MSRP) of the vehicle, plus tax, title, warranty and GAP not to exceed 125%
• Terms available up to 84 months**, subject to vehicle value and credit rating
• Current year vehicles that have not been previously titled
  Apply For a New Auto Loan

Used Auto Loans

Found the used car you want? Drive it home with competitive used auto loan rates and terms that you won’t find with a dealer. Features and qualifications include:

• Financing available up to 100% of the NADA retail value of the vehicle, plus tax, title, warranty and GAP not to exceed 125%
• Terms available up to 84 months**, subject to vehicle value, year, model and mileage and credit rating
• Used vehicles up to eight (8) model years old
  Apply For a Used Auto Loan

Refinance Your Auto Loan

Get lower monthly payments or get better terms and interest rates when you refinance your existing auto loan. Features and qualifications include:

• Financing available up to 100% of the NADA retail value of the vehicle, plus tax, title, warranty and GAP not to exceed 125%
• Terms available up to 84 months**, subject to vehicle value, year, model and mileage and credit rating
• Used vehicles up to eight (8) model years old
  Apply For an Auto Refinance Loan

*Loan application must be received between 12/1/2024 - 12/31/2024.  Subject to credit approval. Not all will qualify. Rate you receive is determined by credit qualifications and loan term. Current Homebase CU loans do not qualify. Depending on vehicle value, terms are available up to 60 months starting at 5.24% APR. Longer terms available at higher starting interest rates. Interest begins to accrue from day of loan funding. Contact a Homebase Credit Union Loan Officer for details. Loan example 1: $30,000 financed for 60 months at 5.24% APR would make monthly payment $571. Example 2: $30,000 financed for 84 months at 6.49% APR would make monthly payment $446. APR = Annual Percentage Rate.

All rates subject to change without notice. All rates listed above are our best rates based on approved credit; actual rates may be higher depending upon applicant's credit rating and other underwriting factors. Most loans are processed the same day as the application is received. Please contact a Homebase CU loan officer for current rates and details. Membership required to apply for Homebase Credit Union loans, credit cards, and lines of credit. Membership is open to those that live or work in the following localities: Amelia, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, King and Queen, King William, New Kent, Nottoway, Petersburg, Powhatan, Prince George, Richmond, and Sussex. Non-refundable joining fee of $1 plus $25 savings (share draft) deposit refundable at account closing.