Go LOANS
HCU finances automobile and recreational vehicle loans. You’ll get great HCU rates with local, Northern Utah service you know and trust. Getting an On the Go Loan is simple and quick. You can apply online, and even sign online – never having to leave your home until it’s time to pick up your check!
Get Pre Approved
There are advantages to getting pre-approved. When you get pre-approved before you start shopping and you’ll have peace of mind about how much you can comfortably spend. It’s never been easier to get pre approved for an auto or vehicle loan. Apply now and have a decision within 48 hours. Apply today!
AUTO LOANS
Whether you’re commuting across Utah or heading out on your next adventure, Horizon Credit Union offers competitive auto loan rates and flexible terms to help you get behind the wheel with confidence. Apply online and enjoy local service from a credit union that puts members first.
RECREATIONAL
From campers and boats to ATVs and motorcycles, Horizon Credit Union can help finance the toys that make Utah’s outdoor lifestyle unforgettable. Enjoy affordable rates and an easy application process so you can spend more time exploring and less time worrying about financing.
Recreation Vehicle’s include:
- Motor Homes
- Travel Trailers
- Tent Trailers
- Campers
- Motorcycles
- ATV’s
- Horse Trailers
- Boats
- Personal Watercraft
REFINANCING
Looking to lower your payment, reduce your rate, or pay off your loan faster? Horizon Credit Union’s refinancing options can help you save money and better manage your budget. Our team will help you find the solution that fits your financial goals.
TITLE LOANS
Need access to funds while keeping your vehicle? Horizon Credit Union’s title loan options provide a simple way to leverage your vehicle’s value when unexpected expenses arise. Enjoy personalized service and a straightforward lending experience.
PERSONAL LOANS
Whether you’re planning a home improvement project, consolidating debt, covering medical expenses, or funding life’s unexpected moments, Horizon Credit Union’s personal loans offer flexible financing with competitive rates and local decision-making.
CREDIT CARDS
Earn rewards on everyday purchases with an HCU Visa Rewards Credit Card. Enjoy competitive rates, convenient digital tools, fraud protection, and the purchasing power you need—all backed by the trusted service of your local Utah credit union.
For a limited time, earn double rewards with the HCU Visa Rewards Card! Earn 3% cashback on new purchases now through August 31st. Apply today and start earning double!
There is NO annual fee and the rate stays the same. To learn more about opening a new card contact: 801.451.5064.
AutoSMART
Shop Smarter with Our New Auto Buying Program
CUDL AutoSMART connects you with trusted local dealerships and affordable credit union financing. Get pre-approved, shop with confidence, and streamline the financing process so you can spend less time on paperwork and more time enjoying your new vehicle.
Rates
| Loan Type | Rates as low as | Terms & Information |
|---|---|---|
| Auto Loan 36 Months » | 4.44% | GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7 |
| Auto Loan 48 Months » | 4.69% | GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7 |
| Auto Loan 60 Months » | 4.69% | GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7 |
| Auto Loan 72 Months » | 4.94% | GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7 |
| Auto Loan 84 Months » | 5.69% | GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7 |
| Rec. Vehicle (Large) 48 Months » | 7.89% | Motor Homes, Boats, Campers, Travel Trailers... |
| Rec. Vehicle (Large) 60 Months » | 7.89% | Motor Homes, Boats, Campers, Travel Trailers... |
| Rec. Vehicle (Large) 72 Months » | 7.89% | Motor Homes, Boats, Campers, Travel Trailers... |
| Rec. Vehicle (Large) 84 Months » | 7.89% | Motor Homes, Boats, Campers, Travel Trailers... |
| Rec. Vehicle (Large) 120 Month » | 7.89% | Motor Homes, Boats, Campers, Travel Trailers... |
| Rec. Vehicle (Small) 48 Months » | 7.19% | 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| Rec. Vehicle (Small) 60 Months » | 7.19% | 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| Rec. Vehicle (Small) 72 Months » | 7.64% | 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| Rec. Vehicle (Small) 48 Months » | 7.44% | 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| Rec. Vehicle (Small) 60 Months » | 7.44% | 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| Rec. Vehicle (Small) 72 Months » | 7.89% | 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
*APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates. Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply.