Credit union · NCUA insured
HARVESTER FINANCIAL Auto Loan Rates
HARVESTER FINANCIAL auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 5, 2026.
How HARVESTER FINANCIAL’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where HARVESTER FINANCIAL has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HARVESTER FINANCIAL
5.50%APR
- Terms
- up to 60 months
- Up to
- —
Vehicle Loans (2026 - 2025)
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
HARVESTER FINANCIAL auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HARVESTER FINANCIAL ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans (2021 & Older)
Subject to credit approval. Rate shown includes risk based pricing and relationship discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Monthly payment per $1000 borrowed is $30.32. |
| up to 48 months | 5.50% | Monthly payment per $1000 borrowed is $23.49. |
| up to 60 months | 5.75% | Monthly payment per $1000 borrowed is $19.46. |
| up to 72 months | 6.25% | 72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629. Monthly payment per $1000 borrowed is $16.82. |
Sources (1)
- originscu.org/loan-rates · captured Oct 5, 2026
Vehicle Loans (2024-2022)
Subject to credit approval. Rate shown includes risk based pricing and relationship discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Monthly payment per $1000 borrowed is $30.09. |
| up to 48 months | 5.50% | Monthly payment per $1000 borrowed is $23.26. |
| up to 60 months | 5.75% | Monthly payment per $1000 borrowed is $19.22. |
| up to 72 months | 6.25% | 72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629. Monthly payment per $1000 borrowed is $16.70. |
| up to 78 months | 6.75% | 78 mo available only if loan amount is greater than $30,000 and credit score is higher than 700. Monthly payment per $1000 borrowed is $15.88. |
Sources (1)
- originscu.org/loan-rates · captured Oct 5, 2026
Vehicle Loans (2026 - 2025)
Subject to credit approval. Rate shown includes risk based pricing and relationship discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Monthly payment per $1000 borrowed is $29.98. |
| up to 48 months | 5.25% | Monthly payment per $1000 borrowed is $23.15. |
| up to 60 months | 5.50% | Monthly payment per $1000 borrowed is $19.11. |
| up to 72 months | 5.75% | 72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629. Monthly payment per $1000 borrowed is $16.46. |
| up to 84 months | 6.50% | 84 mo available only if loan amount is greater than $30,000 and credit score is higher than 700. Monthly payment per $1000 borrowed is $14.86. |
Sources (1)
- originscu.org/loan-rates · captured Oct 5, 2026
Who can join HARVESTER FINANCIAL
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