Drive away with lower payments.
Looking for a new or used vehicle? Finance it at Hughes Federal Credit Union and lower your monthly payment.
One Low Rate
We don’t switch loan rates based on your credit score. The rates we offer are simply one rate for all approved applicants. Save money and lower your monthly payment with our fixed or adjustable auto rate.
New and Used Vehicles
Whether you’re shopping at a dealership or looking to buy from a private party, finish the deal with a great loan from Hughes. Get bargaining power when negotiating a price. Apply online today and get pre-approved!
Rates
8.70% APR*
Adjustable Rate (Up to 72 Months)
9.45% APR*
Fixed Rate (Up to 72 Months)
9.70% APR*
Adjustable Rate (84 Months)
10.45% APR*
Fixed Rate (84 Months)
Features & Benefits
- A great fixed or adjustable rate
- Flexible terms
- Term up to 7 years (84 months)
Optional Services
- TruStage™ Auto Insurance
- AutoSmart Car Buying Service
- Debt Protection
- Guaranteed Asset Protection (GAP) – Protect yourself against theft or total loss of your vehicle if your loan is greater than the amount paid by auto insurance
- Low-cost Vehicle Service Contracts
- First-time Vehicle Buyer Program available
Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Flexible Terms
Up to 84 months.FAQ
Car & Truck Loan Frequently Asked Questions
No. As of April 1, 2020, the Arizona Motor Vehicle Division (MVD) will no longer mail paper titles. Once you pay off your vehicle loan, the credit union will release the lien within 7-10 business days. In Arizona and some other states, your title now appears in their systems electronically. Please visit the ADOT Vehicle Title and Registration page for more information. If you want a paper title, call the Arizona MVD at 602-255-0072 and request one to be mailed to you for a $4 fee. If your unit is titled in a state other than Arizona, please contact your local motor vehicle department.
Yes! We work directly with many Arizona dealerships. If they are out of state or not on our program, we can contact them to verify they meet our requirements.
The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.
Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less.
Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.
Yes! We work with the seller to make your purchase easy.
We use Kelley Blue Book or NADA Value.
Visit our application status portal to check the status of your application, upload documents, or send us questions or comments.
No, we only finance vehicles with a clean A status title.
Yes. You will need to provide your insurance company with the following lienholder information:
Hughes Federal Credit Union
PO Box 461385
San Antonio TX 78246-1385
San Antonio TX 78246-1385
Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu
Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.
No. You are not penalized for paying off a loan early at Hughes.
You will need to contact the Credit Union in order to calculate your final loan payoff amount.
- Call the Contact Center at 520-794-8341 during regular business hours
- Submit a message within Hughes Online Banking or Mobile App, or use the Secure Email Portal
- Send your request by Fax to 520-696-4260
Disclosures
Effective Date: 04-01-2024
*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans.
Fixed APR Example: A loan of $25,000 for 84 months at 10.45% fixed APR will have a monthly payment of $420.92.
Adjustable APR Example: A loan of $25,000 for 84 months at 9.70% adjustable APR will have a monthly payment of $411.22.
All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.
One Low Rate applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
For consumer use only. Not for dealers/brokers or commercial use.
Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.