Highway Federal Credit Union offers members the ability to borrow money for nearly any purpose at attractive rates.
We offer 100% Financing for new Vehicles!
Used Vehicles – 36 months or less – 90% Financing**
| Fair Isaac Risk Score | Never Titled | Used 2013 | 2012-2009 | 2008-2006 | 8+ years |
| 725-850 | 2.99% APR | 3.49% APR | 4.00% APR | 4.50% APR | 5.25% APR |
| 690-724 | 3.50% APR | 4.00% APR | 4.50% APR | 5.25% APR | 6.00% APR |
| 650-689 | 4.75% APR | 5.25% APR | 5.75% APR | 6.25% APR | 7.25% APR |
| 625-649 | 8.25% APR | 8.75% APR | 9.95% APR | 11.25% APR | 12.25% APR |
| <624 or None** | 11.25% APR | 11.50% APR | 12.25% APR | 13.50% APR | 14.50% APR |
Used Vehicles – 37 months or more – 90% Financing**
|
Fair Isaac Risk Score
|
Never Titled
|
Used 2013
|
2012-2009
|
2008-2006
|
8+ years
|
| 725-850 | 3.25% | 3.75% | 4.25% | 4.75% | 5.75% |
| 690-724 | 3.75% | 4.25% | 4.75% | 5.50% | 6.50% |
| 650-689 | 4.95% | 5.50% | 6.00% | 6.50% | 7.50% |
| 600-649 | 8.75% | 9.75% | 10.95% | 12.25% | 13.25% |
| <624 or None** | 12.25% | 12.50% | 12.75% | 13.95% | 14.95% |
Fair Isaac Score Variables
Current home owner, add 15 points
Debt ratio lower than 45%, add 10 points
Same profession for 5 years, add 5 points
Direct Deposit, add 15 points
Past due amounts, subtract 15 points
debt ratio over 45%, subtract 10 points
Delinquent on more than 1 loan, subtract 10 points
Public Records, subtract 30 points
Auto – Truck – SUV Loans
| 6 Years | 5 Years w/ max $15,000 |
| 106% of retail value FICO score of 690 or above Model years 2006-2013 |
90% of retail value FICO score of 675-689 80% of retail value (674 or lower) Model years 2006-2013 |
| 100% of retail value Model years 2005 or earlier Maximum term 48 Months w/ FICO score of 700 or higher |
90% of retail value w/ max $9,000 Model years 2005 or earlier Maximum term 48 months w/ FICO score of 675 to 699 80% of retail value (674 or lower) |
Used Vehicles – 37 months or more – 90% Financing**
|
Fair Isaac Risk Score
|
Never Titled
|
Used 2012
|
20011-2008
|
| 725-850 | 4.99% | 5.99% | 6.99% |
| 690-724 | 5.99% | 6.99% | 8.99% |
| 650-689 | 8.99% | 9.99% | 10.99% |
| 600-649 | 10.99% | 11.99% | 12.99% |
| <624 or None** | 11.99% | 12.99% | 13.99% |
**624 score or lower or no score requires co-signer with 690 score or higher
Fair Isaac Score
Current Home Owner Add 15
Debt Ratio Lower than 45% Add 10
Same profession for 5 years Add 5
Direct Deposit Add <15>
Past Due Amounts Subtract 15
Debt Ratio Over 45% Subtract 10
Delinquent on more than One Loan Subtract 10
Public Records Subtract 30
Percentage financed varies from 80% to 106% depending on FICO scores, term of loan and age of vehicle.
Refinanced Used Vehicles – 75% Financing**
|
Call or Stop in for details
|
All rates on this site are subject to change with or without notice. Rates on Web Site do not necessarily reflect current rates, although we do our best to keep the site updated. Please call us directly or come visit to confirm any terms and all rates.
Click here for a loan application that you may print out.
We also are offering a special rate on our Visa Credit card of 6.99% on new purchases. Offer subject to change without notice. 
To determine your monthly loan payment, please enter the following information in our loan calculator:
- The amount you wish to borrow
- The number of years to pay back the loan
- The interest rate for the type of loan you would like
The total shown is your estimated monthly loan payment.
