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FinAns Federal Credit Union
7017 Kennedy Ave
Hammond, Indiana 46323
Ph. 219-844-3125 - Fax 219-844-2540
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Hulman Field Technicians FCU

Loans

Loan Rates - Loan Calculator - Apply Today!

FinAns offers a variety of Loans to serve all your needs. These loans offer very competitive rates.

  • New/Used Vehicle
  • Personal
  • Fast Cash
  • Share Secured
  • 50/50
  • Home Equity
  • Mortgage
  • Visa Card (Now you can create a password that protects you when you buy online) Learn how at Verified by VISA
Loan Rates

All Loan Rates:
New & Used Vehicle Rates
Rates Current as of: 9/20/2023
DescriptionTerm Description
APR*
as low as
  
New Vehicles 48 - 66 months
4.40%
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New Vehicles 67 - 72 months
4.90%
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Used Vehicles 2022 - 2017 48 - 60 months
5.39%
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Used Vehicles 2022 - 2017 66 - 72 months
6.14%
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Used Vehicles 2016 - Older 48 - 60 months
6.43%
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Used Vehicles 2016 - Older 66 - 72 months
8.99%
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Used Vehicles Non-Purchase 24 months
7.40%
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Used Vehicles Non-Purchase 36 months
8.25%
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Used Vehicles Non-Purchase 48 months
9.50%
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Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
Personal Loans
Rates Current as of: 9/20/2023
DescriptionTerm Description
APR*
as low as
  
12 Months 1 - 12 months
7.25%
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24 Months 13 - 24 months
7.75%
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36 Months 25 - 36 months
9.25%
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Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
Open-End Loans
Rates Current as of: 9/20/2023
DescriptionTerm Description
APR*
as low as
  
6 Months 6 months
17.30%
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12 Months 12 months
15.30%
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24 Months 24 months
12.30%
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36 Months 36 months
11.25%
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Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
Other Closed-End Loans
Rates Current as of: 9/20/2023
DescriptionTerm Description
APR*
as low as
  
Share Secured 1 - 72 months
3.50% + Dividend Rate last paid for account pledged
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50/50 1 - 72 months
6.00% + the Dividend Rate last paid for account pledged
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Credit Builder 1 - 72 months
5.00% + Dividend Rate (on funds deposited in Reg Sh Act)
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Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
RV's / Boats w/inboard motors
Only Boats with inboard motors and Motor Homes may be financed for these terms. Rates Current as of: 9/20/2023
DescriptionTerm Description
APR*
as low as
  
New RVs/Boats w/ inboard motor 1 - 60 months
7.50%
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New RVs/Boats w/ inboard motor 120 months
8.50%
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Used RVs/Boats w/ inboard motor 1 - 48 months
8.50%
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Used RVs/Boats w/ inboard motor 72 months
9.50%
Calculate
Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
VISA Cards
Rates Current as of: 9/20/2023
DescriptionTerm
APR*
as low as
  
VISA Classic n/a
11.40 %
 
Rates are based on credit score. Final rate may be higher. Minimum score to qualify is 500. Scores below 625 require co-signer. Other terms & conditions may apply. Rates subject to change without notice.
 
 
Loan Applications:
There are several ways you can apply for a loan at FinAns Federal Credit Union.
  1. Come into the office. Often we can process your application while you wait.
  2. Apply on the internet. Apply Now!
  3. We will fax an application upon request.
  4. Applications may be taken over the telephone. (Note: In some cases when we are extremely busy this may not be possible.)
  5. We will mail an application upon request.

Additional Information May Be Needed

The following information will be needed for all application unless you have had a loan with us in the past year.
  • Verification of Income
    This may be in the form of your last 4 pay stubs.
    and previous year W2

If you have additional income that you wish to use to qualify for the loan, you must produce approved verification. Note: We only accept your previous years income tax return for verification of rental income.

When purchasing a vehicle new or used we must have an offer to purchase from the dealership. For used vehicles, make sure the dealer lists all the extras on the vehicle, it can make a big difference in the amount we can loan. All document may be faxed to us at: 219-844-2540.

New Vehicles are financed at 100% of the purchase price, including extended warranties, dealer preparations, and sales tax.

Used Vehicles are financed at 100% of the retail value as listed in the N.A.D.A. Book.
(Generally this valuation is higher than that listed in the Kelley Blue Book)
 

 

If you are using a screen reader and are having problems using this website, please call 219-844-3125 for assistance.
If you have any questions regarding ADA Accessibility services call the credit union directly at: 219-844-3125. For lost or stolen Visa Check Cards call 1-800-554-8969 overseas 1-973-682-2652.

Our email address is: finansfcu@yahoo.com
Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.

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© FinAns Federal Credit Union, 7017 Kennedy Avenue, Hammond, Indiana 46323, Phone: 219-844-3125, Fax: 219-844-2540. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. FinAns Federal Credit Union respects your privacy. Please view our Privacy Policy and our fee schedule.

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