Auto Loans

We make auto buying easy.
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Auto Loans with One Low Rate®

Simple. Fair. Built for you.

At Hughes Federal Credit Union, we keep auto financing simple. Every approved member gets the same rate—no tiers, no surprises. One Low Rate®

No risk-based pricing.

Your rate isn't determined by your credit score.

  • Same rate for all approved members
  • Fixed, predictable payments
  • No markups or pricing tiers

Buy New or Used

  • Finance at a dealership or with a private seller
  • Get pre-approved before you shop
  • Know your payment upfront

Most lenders adjust your rate based on your credit. We don’t.

We focus on fair, straightforward financing for our members.

Ready to Get Started?

  • Apply online in minutes
  • Get pre-approved before you shop
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Rates

8.95% APR*
Fixed Rate (Up to 72 Months)
9.95% APR*
Fixed Rate (84 Months)

Features & Benefits

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

Why Auto Loans ?

Start your auto adventure with Hughes!

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One Low Rate®

We don’t switch loan rates based on your credit score. Just one interest rate for all approved applicants.
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Speedy Turnaround

Once we receive your application, we’ll contact you promptly to get everything finalized.  

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Flexible Terms

Up to 84 months.
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FAQ

Auto Loan Frequently Asked Questions

Do you base auto loan rates on credit score?

No. With One Low Rate®, every approved member receives the same rate.

Should I get pre-approved before buying a car?

Yes. Pre-approval helps you understand your budget and simplifies the buying process.

Will I receive a paper title from the MVD upon paying off my vehicle loan?

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.

Am I required to carry full coverage insurance?

Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less. 

How can I make loan payments?

Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.

How can I see the status of my loan or account application?

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 

 

Does Hughes finance vehicles with a branded, impaired, or salvage title?

No, we only finance vehicles with a clean A status title.

Are there any penalty fees for paying off my loan early?

No. You are not penalized for paying off a loan early at Hughes.

What is force-placed insurance?

We require insurance verification for your loan. Please ensure your policy has full coverage, including comprehensive and collision, with Hughes FCU listed as a lienholder, and that deductibles do not exceed $1,000.00. Once we receive the verification of continuous coverage with no lapses, the full amount will be removed from your loan. You may submit your insurance information by faxing it to 1-866-736-9183 or by email to hughesfcu@imcovered.com. To check the status of your insurance or confirm it has been updated, please call 1-888-667-9103.

Do you offer an extended warranty?

Hughes does offer an extended warranty on New Loan purchases or Refinances.  If you need information on your current extended warranty, please refer back to your original contract or contact us during normal business hours.

Do you offer leases for vehicles?

No, we do not offer leases at this time.

When will the lien be released on my vehicle?

 Once you pay off your vehicle loan, the credit union will release the lien on the 7th business day. 

In Arizona and some other states, your title now appears in their systems electronically. 

How do you determine a used vehicle value?

We use Kelley Blue Book or NADA Value.



Contact An Expert

Disclosures

Effective Date: 04-01-2026

*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 9.95% fixed APR will have a monthly payment of $414.38. 

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.