#Drive4Less
#Drive4Less offers 40% lower payments than conventional auto financing with fewer fees and restrictions. You can save hundreds of dollars a month on car payments! Pay for what you use with a guaranteed future value. With #Drive4Less, you have a variety of options and the power is in your hands. Refinance your current vehicle, trade-in your vehicle and apply positive equity to your new car, or turn in your vehicle and walk away with money still in your pocket.

#Drive4Less is like the Goldilocks of car ownership. Sticker prices on pre-owned or new vehicles may have you settling for less when you need a new car. With #Drive4Less, you get a new loan option and the car you want with lower monthly payments, no restrictions, and no hidden fees. It’s the best option if you’re looking for a new ride and want to save money.
A new way to loan! Own your vehicle and have all the flexibility and benefits of car ownership with HFFCU financing.
What is #Drive4Less?
- You OWN the vehicle
- New and pre-owned vehicles up to 5 years old qualify
- Flexible loan terms up to 72 months*
- Annual mileage options of 12,000, 15,000, & 18,000 available
- NO security deposit or acquisition fees
- ZERO early payoff penalty
- At end of term you can turn in vehicle and walk away
- Refinance your current vehicle to reduce monthly payments
- Easily upgrade your vehicle every few years!
Payment Calculator
Calculate your estimated payment for our #Drive4Less program. See how much you can save with a monthly payment!

Because Dents Can Happen…
HFFCU offers additional wear and tear coverage to your vehicle to provide a worry-free driving experience and protect your investment.
- Cover exterior dings, scratches, and chips
- Interior tears and stains
- Electronics/GPS replacement
- Bumpers, trim dents
- Windshield and window replacements
- and much more