Auto Loans

Harvester Financial offers traditional financing or refinancing for new and used vehicles.

We offer great rates, flexible terms, and 100% financing for qualified borrowers. Before you walk into a dealership, get your financing pre-approved. The process is simple; you can apply before you even know what vehicle you want.

To get pre-approved, apply for an auto loan online or call us at 317.352.0455 or 800.326.2279. Be sure and ask for a free quote to have Guaranteed Asset Protection (GAP) or a Vehicle Service Agreement (extended warranty) included. The cost is only pennies a day and it’s protection you can’t afford to be without!

Your vehicle is one of the most expensive, yet fastest depreciating assets you own.  Our TotalRestart benefit helps protect you against that depreciation and gives you an opportunity for a fresh start (restart) if you experience a total loss.  With TotalRestart you may be eligible for a credit when you return to us for financing of a replacement vehicle. This is an exclusive protection available when you finance your auto loan with us.  To learn more about our TotalRestart benefit, please contact a Loan Officer today!

To compare cars, prices and learn more valuable information about the car(s) you are interested in, NADA Guides is a valuable resource.

Please click the logo below to go the NADA Guides website:


Auto & Motorcycle Loan Rates New - 2019 Models

Rates Current as of: 09/01/2021
Vehicle AgeTerm DescriptionAPR as low as*Payment Example
New - 201924 or 36 months1.99%Payment Example
New - 201948 months2.24%Payment Example
New - 201960 months2.49%Payment Example
New - 201972 months12.99%Payment Example
New - 201984 months23.49%Payment Example

* Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
APR is based on credit history. Some restrictions may apply. 1Available only on vehicles new/used with a minimum loan amount $15,000 or more. 2Available only on minimum loan amounts of $20,000.
The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
Please visit the Vehicle Loans page for more information.


Used Auto & Motorcycle Loan Rates 2018 & Older

Rates Current as of: 09.01.2021
Vehicle AgeTerm (Up to)APR as low as*Payment Example
2016-201824 or 36 months2.49%Payment Example
2016-201848 month2.74%Payment Example
2016-201860 months2.99%Payment Example
2016-201872 months13.49Payment Example
2016-201884 months23.99%Payment Example
2014-201524 or 36 months2.99%Payment Example
2014-201548 months3.24%Payment Example
2014-201560 months3.49%Payment Example
2014-201572 months13.99%Payment Example
2014-201584 months24.49%Payment Example
2012-201324 or 36 months3.49%Payment Example
2012-201348 months3.74%Payment Example
2012-201360 months3.99%Payment Example
2012-201372 months14.49%Payment Example
2012-201384 months24.99%Payment Example

* Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Some restrictions may apply.
For 2010 & older vehicles, please contact the credit union for rates.
APR is based on credit history.
1Available only on loan amounts of $15,000 or more.
2Available only on loan amounts of $20,000 or more.
The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
Please visit the Auto loan page for more information.

Features of our Auto Loans

  • No Payments for 60 Days*
  • Rate as low as 2.74% APR*
  • No Application Fee

Have more questions? Contact a Loan Officer.

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INDIANAPOLIS
7020 Brookville Road
Indianapolis, IN 46239
PH: 317.352.0455
TF: 800.326.2279
FAX: 317.351.2351

LOBBY & DRIVE THRU HOURS
Monday, Tuesday & Thursday:
8:00 a.m. – 5:00 p.m.


Wednesday:
9:00 a.m. – 5:00 p.m.


Friday:
8:00 a.m. – 5:30 p.m.

SHELBYVILLE
2507 Progress Parkway
Shelbyville, IN 46176
PH: 317.392.0811
TF: 800.366.5725
FAX: 317.392.0870

LOBBY & DRIVE THRU HOURS
Monday, Tuesday & Thursday:
8:00 a.m. – 5:00 p.m.


Wednesday:
9:00 a.m. – 5:00 p.m.


Friday:
8:00 a.m. – 5:30 p.m.

Equal Housing Lender Logoncua-bg2

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
We are an Equal Housing Lender. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Harvester Financial Credit Union respects your privacy. Harvester Financial Credit Union is not responsible for, the product, service, or overall website content available at a third-party site.

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