H & C Auto Sales Financing


** ONE STOP SHOP * * SAME DAY APPROVAL (in most cases) * * APPLY WITH OUR SECURED CREDIT APPLICATION TODAY * *

H & C Auto Sales offers multiple financing options but only for the state of Michigan customers. We work closely with numerous national and local lenders. This allows us to get you approved for the vehicle you want with payments that you can afford. We are dedicated to making the entire financing process as easy and hassle free as possible.

Use our loan calculator to help you get an idea for what your loan terms could potentially look like. Fill out your projected loan amount, interest rate, and loan term; then, our calculator will give you a rough idea of what to expect from your financing terms. Disclaimer: Rates expressed from the calculator are only an estimate and actual rates may vary.

Our portfolio of lenders does not have a penalty fee for early payoff.  Our lenders are independent banks and credit unions that specialize in auto financing.  If you are upside down in your current auto loan, we will work hard to get you the most for your trade-in by either working out a deal to sell your vehicle retail, on consignment, or by rolling the equity over to your next purchase.  Our lenders are very understanding of your needs and will work tirelessly to provide several payment options that fit your budget and situation.

You can apply above using our secured online credit application for fast and easy approvals. Our staff will receive your application almost immediately and contact you after reviewing your application.


Available Rates


2014 and Later
As low as 2.79%
Term: up to 75 months

2012 - 2012
As low as 3.99%
Term: up to 72 months

2010 - 2011
As low as 4.75%
Term: up to 60 months (72 mo at .25% higher rate)

2009 and Older
As low as 4.99%
Term: up to 54 months (72 mo at .5% higher rate)

** Rates and terms are subject to change **


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