Skip to content

Rates Calculator

New or used, work or play. Let the HarborLight lending pros find the funds you need for the ride you want.

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Rate Reduction Available


  • Competitive rates on new or used vehicles
  • Convenient terms customized to fit your budget
  • Pre-approval available for extra bargaining power at the dealership
  • Use your PerkPoints to lower your rate even more
  • Refinance your current vehicle to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Get the 411 on Auto Loans


  • Competitive rates for a wide range of recreational vehicles
    • ATVs
    • RVs
    • Motorcycles
    • Boats
    • Personal watercrafts
    • And more
  • Convenient terms customized to fit your budget
  • Pre-approval available for extra bargaining power at the dealership
  • Use your PerkPoints to lower your rate even more

PerkPoints rewards you just for doing business with us. The more you use HarborLight for your borrowing and banking needs, the more points you’ll earn. The PerkPoints program is free to all members and it’s automatic.

Learn more about PerkPoints.

GAP Waiver Protection

GAP Waiver provides supplemental protection to a borrower’s primary insurance and is designed to help borrowers avoid financial loss in the event of total loss or unrecovered theft. The difference between the loan net payoff amount and the actual cash value (ACV) paid by the primary insurance settlement produces a deficiency balance or “gap.” This remaining loan balance is covered (or waived) with GAP protection.

Additional Benefits

  • Saves money by reimbursing the insurance deductible (up to $1000) when a deficiency balance remains after a total loss
  • Eliminates risk of negative equity
  • Gives instant equity with $1000 for a replacement vehicle when financed by same lender
  • Provides a positive, quick and fair claims experience

Mechanical Repair Coverage

The miles can add up but the repair costs don’t have to.

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

  • Good at any authorized repair facility: includes the U.S. or Canada
  • Rental reimbursement: up to $35/day for 1-5 days (1-10 days for parts delay. Available on first day of covered repair.)
  • 24-hour emergency roadside assistance: up to $100 per use. Includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $200 per day 1-5 days for food, lodging and rental when a breakdown occurs more than 100 miles from home. (Not available to NY residents.)
  • Transferable: to increase resale value. Only if sold privately. Subject to transfer fee.
  • Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
  • No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy) the covered repair is paid directly to the authorized repair facility.
  • Choose a deductible option: there are several deductible options available

*Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling (877) 894-5557.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #861338), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc.

MRC-1613248.1-1016-1118 © CUNA Mutual Group 2016, All Rights Reserved.

Debt Protection

Help protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances.

Call HarborLight Credit Union at (877) 894-5557 and ask about protecting your loan today.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

DP-2045000.1-0318-0420 © CUNA Mutual Group 2018, All Rights Reserved. 

Lighting the way to financial well-being

News & Events

Promotions, special events, and useful information — it's all here.

Member Benefits

This is how we pay it forward — awesome benefits that make banking better.

Become a Member

Live, work, or worship in our community? You're all set to join today.