Lower Your Auto Loan Payment
Guaranteed - Or We'll Pay You $50
Stop overpaying on your auto loan!
Bring us any qualifying auto loan rate and we’ll lower your payment. If not, we'll give you $50.*
Either way, you get more money in your account with Horizon!
At Horizon, our mission is to help you experience a brighter financial future. Most people negotiate car purchases focusing on the monthly payment, ignoring the interest rate or terms. That frequently results in extra money being paid to other financial institutions instead of going back into your account where it belongs.
| Term | Fixed APR* |
|---|---|
| Up to 48 Months | As low as 5.00% |
| Up to 60 Months | As low as 5.50% |
| Up to 72 Months | As low as 6.00% |
| Up to 84 Months | As low as 6.50% |
*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.
Calculators
*Subject to credit approval. Applicants must become members upon approval. Membership eligibility required. Other terms, conditions, and qualifications may apply. We will lower your monthly payment from a qualified competitor’s auto loan or you will receive $50. Qualified competitors are those from another bank or credit union; dealership financing and current Horizon auto loans are not eligible for this offer. If applicable, $50 will be paid via deposit (members) or check (non-members) within 45 days after loan approval. Offer valid for applications received between June 1, 2026 through June 30, 2026, and may end at any time without notice. Subject to program rules, eligible loan types, and verification of competitor offer. Federally insured by the NCUA.