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Auto Loans

Auto loans at Honor Credit Union

Auto Loans

You deserve competitive rates and flexible terms—up to 96 months—for your vehicle loan. Already found your dream ride or just starting your search? Get pre-approved anytime with our quick, 24/7 online application. Let’s get you behind the wheel!

APPLY NOW

Lower Goes a Long Way

Refinance your auto loan with Honor and get an interest rate at least 0.25% APR lower than your current rate—likely more, and don’t make your first payment for 90 days!^

Refinance your auto loan at Honor Credit Union
  • Reduce your current auto loan rate by a minimum of 0.25% APR^
  • No first payment for 90 days^
  • Potential for even bigger savings based on credit
  • Quick and simple online process
  • Apply by phone for personalized support
  • Available through May 31

“Financing my truck through Honor was a really seamless process. I didn’t have to go into the branch, and I was able to speak with a representative who has worked with me on other vehicle purchases in the past as well. She communicated with me via phone or email which made it really easy.”

– Heather, Honor Member
Apply Now

^APR=Annual Percentage Rate. Auto loans refinanced from another financial institution with Honor Credit Union may receive up to 0.25% APR off the current rate, with a floor rate of 4.99% APR for up to 96 months. Rate will vary based on loan amount, interest rates, and remaining term. Internal refinances are excluded. Honor Expanded Loan Program is excluded. An auto loan of $20,000.00 for 60 months at 5.74% APR will have a monthly payment of $384.28. Refinanced loans during this promotional period will be eligible for no payments for 90 days. Interest will accrue during 90-day deferment period. First payment must be made beginning in the 4th month, on the due date disclosed in the loan agreement. Subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Limited time offer. Applications must be submitted by May 31, 2026. Insured By NCUA.   

Vehicle Loan Rates

We don’t want there to be any surprises when you’re ready to purchase a new or used vehicle. We offer competitive low rates and flexible terms on all of our loans. Our calculators will help you determine just how much car or truck you can afford. Once you enter a few details you can see what your monthly payment might be, or how much you save by increasing your monthly payment. 

Check out Honor's Auto Loan Rates

Auto, Light Truck, Motorcycle Rates

TermRates as low as
Up to 48 months4.99% APR*
49 - 60 months5.49% APR*
61 - 75 months5.89% APR*
76 - 84 months6.79% APR*
85 - 96 months7.69% APR*
Rates accurate as of May 15, 2026

*APR = Annual Percentage Rate. Advertised stated rates reflect 0.25% APR* rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. 61-75 month financing requires a minimum loan amount of $10,000.00. 76-84 month financing requires a minimum loan amount of $20,000. 85 – 96 month financing requires a minimum loan amount of $30,000.00.

Payment Example: $30,000 at 5.49% APR for 60 months equals $573.03/mo

Find a Dealership

Save time when you’re shopping by going straight to one of our dealership partners. Your loan will be serviced and accessible through Honor Credit Union, but you can start and finish the application process at the dealership. Below, you can click to search all Michigan & Indiana dealership partner listings to shop by new or used, make, model, year, etc., or you can browse by Michigan or Indiana city if you’re looking to stay closer to home.

Explore Auto Smart at Honor Credit Union

Start Your Car Search

🔍 Search local + nationwide inventory
💲 Estimate your monthly payment
🤝 Get pre-approved with Honor
🛡 No-pressure, member-first experience

Search Now

Powered by AutoSmart

Browse By City

If you’re looking for a dealership in a specific area of Michigan or Indiana, you can browse by city below.

Indiana

Angola

Chesterton

Elkhart

Fort Wayne

Goshen

Granger

Highland

 

Michigan City

Middlebury

Mishawaka

Osceola

South Bend

Michigan

Albion

Allendale

Allegan

Ann Arbor

Baldwin

Bay City

Battle Creek

Benton Harbor

Benzonia

Berrien Springs

Big Rapids

Birch Run

Bridgman

Brighton

Brownstown

Byron Center

Caro

Cadillac

Caledonia

Cedar Springs

  •  

Cement City

Charlevoix

Chesaning

Cheboygan

Chelsea

 

Clarkston

Clio

Coldwater

Coloma

Commerce Township

Comstock Park

Coopersville

Davison

Dearborn

Dexter

Dimondale

Dowagiac

Dundee

Fenton

Flint

Fremont

Fruitport

Galesburg

Gladwin

Grand Haven

Grand Ledge

Grayling

Grand Rapids

Grandville

Greenville

Highland

Hillsdale

Holland

Houghton

Hudsonville

Iron Mountain

Ironwood

Jackson

Jenison

Kalamazoo

Kalkaska, MI

Lake City

Lansing

Lapeer

Linwood

Livonia

Lowell

Ludington

Lyon Charter Township

Manistee

Marshall

Marquette

Marne

Mattawan

Mecosta

Michigan Center

Middlebury

Mid-Land

Millington

Mt. Clemens

Mt. Pleasant

Muskegon

Negaunee

Newaygo

New Hudson

Niles

Novi

Nunica

Okemos

Otsego

Paw Paw

Perry

Petosky

Plainwell

Richland

Rochester Hills

Rockford

Rogers City

Roscommon

Saginaw

Sandusky

Sault Ste Marie

Schoolcraft

South Haven

Spring Lake

Stevensville

Sturgis

Three Rivers

Traverse City

Vicksburg

Walled Lake

Wayland

Westland

Wixom

Woodhaven

Ypsilanti

Calculate Your Rate

explore honor's auto loan calculators

Auto Payment Calculator

Use this calculator to determine your monthly loan payment or get an estimate of your total purchase price.

Calculate Payment

Early Auto Payoff Calculator

Use this calculator to determine how much interest you could save in the long run by increasing your monthly payment.

Calculate Payoff

Auto Lease Buyout

If you are currently leasing a vehicle and want to keep it, you have the option to buy out the lease. We can help make it happen and assist you every step of the way. With competitive low rates, flexible terms, and an easy online application, you can be the permanent owner of your vehicle

What To Know

  • Know how to terminate the lease, including buyout details
  • Be aware of the residual value (known as the buyout amount)
  • You won't be charged extra for excessive vehicle wear and tear if buying out the lease
  • We encourage you to get pre-approved prior to starting the buyout process
Learn More
Auto Lease Buyout at Honor CU

First-Time Car Buyer

We know you’re working hard to buy your first vehicle. If you have limited credit, or if you don’t have a cosigner, don’t panic because Honor Credit Union has a First-Time Car Buyer Program to help give you the opportunity of owning a vehicle of your own. We will work to get you both a manageable loan term and competitive low rate. Proof of income is required on all loans* Plus, you’ll start establishing your credit history for future purchases. 

Teenager sitting in driver's seat of car

Start The Process

We want to make it as easy as possible to take advantage of our First-Time Auto Buyer program.* You have the option to stop by any local branch, or you can get started online 24/7 when it’s convenient for you. We’ll work to get you pre-approved, so you can focus on car shopping and getting in the driver’s seat of your first car or truck!

Get Started

*For complete program specifications, please contact 800.442.2800 or stop into any Honor branch. Certain restrictions apply. Subject to credit approval. Insured By NCUA. 

Loan Protection

When you have a loan with Honor Credit Union, not only are you receiving excellent member service and a great rate, but also the peace of mind that comes with our loan protection options.

Learn More

Guaranteed Asset Protection (GAP) Insurance can help you be prepared for these things when your normal insurance policy may not completely cover what you owe. If your vehicle gets wrecked or stolen, GAP Insurance will pay the difference between what your insurance company is willing to pay and what you actually owe on the vehicle.

Depreciation Protection (DPW) is similar to GAP, but instead of protecting you against loan deficiency balances in the event of a total loss of your vehicle, it protects the equity you have in your vehicle. If you put a lot of money down on your vehicle when you purchased it, or you received a high value on a trade-in putting your loan amount well under the value of your vehicle, DPW protects that investment.

We have various SafetyNet packages available to protect your loan, family, collateral, and credit rating against the possibility you may no longer be able to pay it. In that unfortunate situation, you would have enough to focus on, so let SafetyNet help.  If you choose to take advantage of SafetyNet, the fee for this program will be included in your monthly payments.

Mechanical Breakdown Protection (MBP) offers nationwide protections, 24-hour roadside assistance, rental vehicle assistance, trip interruption coverage, and so much more, so that if your car breaks down your life doesn’t have to break down, too. Plus it’s all transferable in case you sell your vehicle before the agreement expires.

Learn More About Loan Protection

What You Need To Know About Depreciation Protection Waiver
Learn what Depreciation Protection Waiver (DPW) is and how it can help you if your vehicle is totaled...
READ MORE
What Is SafetyNet & Who Needs It?
Learn how SafetyNet can protect you in the event of illness, injury, death, or involuntary unemploym...
READ MORE
What To Know About Mechanical Breakdown Protection
With Mechanical Breakdown Protection you get 24/7 roadside assistance, rental car assistance, and much...
READ MORE
What Is Guaranteed Asset Protection (GAP) & Who Needs It?
Learn how GAP insurance coverage can protect you from paying more than your vehicle is worth in the event...
READ MORE

Payment Assistance

We know that life can take unexpected turns you just can’t budget for, from employment changes to medical emergencies. We want to be by your side throughout your journey, good or bad, so we have several payment assistance options to help you when times get tough.

Learn more about Honor's auto payment assistance

Skip-A-Payment

Holiday shopping, unexpected life events, and other personal situations can leave your account balance a little short when it’s time to make a loan payment. Our Skip-A-Pay program helps you navigate those times.

Learn More

Financial Planning

Our financial wellness partner at GreenPath Financial will work with you on-on-one to evaluate your situation, put a budget in place, establish a payment plan, and help you get back to achieving your financial goals!

Learn More

Auto Buying Tips

Auto Lease Buyout: How It Can Work For You
Learn what an auto lease buyout is, how it works, the benefits of it, and whether it might make sense...
READ MORE
What You Need To Know About Depreciation Protection Waiver
Learn what Depreciation Protection Waiver (DPW) is and how it can help you if your vehicle is totaled...
READ MORE
When an Auto Refinance Makes Sense
Learn some reasons why it might be right to refinance your auto loan, from lower interest rates, lower...
READ MORE
When Is The Best Time To Buy A Car?
Five tips about what time of year is best to buy a car, what time of month is ideal, and even what days...
READ MORE
How Much Do You Need For A Car Down Payment?
If you’re in the market to buy a new or used car, you’re probably doing your homework, reading reviews...
READ MORE

Auto Loan FAQs

Anyone can apply! Approval is not guaranteed, but all applications are reviewed by our team.

Nothing! We do not charge any application fees.

Yes! Honor can finance a vehicle purchase in all 50 states as long as you qualify for membership with us.

If you’re interested in purchasing a recreational vehicle, chances are we can finance it, whether it’s new or used. Here are just a few examples:

  • Boat
  • Jet ski
  • Personal watercraft
  • Motorcycle
  • ATV
  • Golf cart
  • Snowmobile
  • Motorhome
  • Camper trailer
  • Horse trailer

Not sure if Honor can finance the recreational vehicle you want to buy? Simply click here to give us a call or shoot us a message and we can help!

Yes! You have the option to buy out the lease on the vehicle you are currently leasing. We can help you make it happen. For all of the details and to learn how to get started, click here.

No. We will try to help you finance nearly any type of vehicle!

Yes. Insurance is required on all types of vehicles and equipment financed by Honor.

No! There are no prepayment fees or consequences.

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.