Auto Loans

Auto Loans

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Say Hello to the open road.

Finance your new or used1 auto with Hello and we’ll have you in the driver’s seat in no time! Apply online and get pre-approved to make this an all-around smile-worthy car-buying experience.

Apply for an Auto Loan

Product Details

  • Up to 100% financing for new and used autos
  • Terms up to 84 months
  • Easy online application 
  • Competitive rates
  • Payment protection available:
    -Life and disability insurance
    -Vehicle warranties
    -GAP

Refinance Your Auto

Love your car, but not your loan? If you currently have an auto loan with another lender you can refinance with Hello and enjoy lower rates. You could even free up some cash each month with lower payments.

Rates

Type
dividend Rate
Term
APY*
APR*
Min / Max balance
Notes
New Auto
Term (Months)
Dividend Rate
Up to 84
APY*
APR*
Prime + a Margin of
3.99%
-
17.99%
Min/Max Balance
Notes
See Note 1
Used Auto
Term (Months)
Dividend Rate
Up to 84
APY*
APR*
Prime + a Margin of
4.99%
-
17.99%
Min/Max Balance
Notes
See Note 1
Older Used Auto (8 - 10 Model Years)
Term (Months)
Dividend Rate
Up to 60
APY*
APR*
Prime + a Margin of
7.74%
-
17.99%
Min/Max Balance
Notes
See Note 1

IRA Certificate Rates

Account Type
Rate
APY*
Minimum balance
12-Month IRA Certificate
Dividend Rate
4.00%
APY*
-
4.074%
Min/Max Balance
$500.00
18-Month IRA Certificate
Dividend Rate
2.75%
APY*
-
2.785%
Min/Max Balance
$500.00
24-Month IRA Certificate
Dividend Rate
2.25%
APY*
-
2.273%
Min/Max Balance
$500.00
36-Month IRA Certificate
Dividend Rate
1.50%
APY*
-
1.510%
Min/Max Balance
$500.00
48-Month IRA Certificate
Dividend Rate
1.75%
APY*
-
1.764%
Min/Max Balance
$500.00
60-Month IRA Certificate
Dividend Rate
2.00%
APY*
-
2.018%
Min/Max Balance
$500.00

*APR = Annual Percentage Rate/ Rates subject to change. Click to view complete listing of rates and effective date.

1New: Financed less than 120 days/less than 5,000 miles Used: Any vehicle previously titled

Note 1:  Maximum loan term depends on the financed amount, age of collateral, and credit experience of the borrower.  In order to qualify for longer loan terms, members must finance at least $15,000 to request 61 to 72 months, and at least $25,000 to request 73 to 84 months.