*APR (Annual Percentage Rate). Rates and terms are subject to change without prior approval or notice. HRCU will finance up to the Manufacturer’s Suggested Retail Price (MSRP) plus tax and tags for a new vehicle. HRCU will finance up to 125% of the value of the vehicle for a used or refinanced vehicle based on NADA, Kelly Blue Book or other authorized guide when determining used vehicle values. Minimum loan amount is $5,000. The interest rate applied may be higher based on the applicant’s credit score, debt ratio, or vehicle value. HRCU makes all final determinations regarding the vehicle value and applied interest rate. See the LOANLINER Credit and Security Agreements available from the credit union. HRCU is federally insured by the National Credit Union Administration. Equal Opportunity Lender.