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Refinance today for a lower car loan payment tomorrow.

Are your auto loan payments too high? Good news! You're just a few steps away from a lower loan payment.

Apply for your auto loan refinance online to get a lower monthly payment in as little as one day.**

Or, do you have questions about your credit score? Get in touch with a loan officer >

No need to visit a branch — the entire refinance process can be completed online, plus:

  • Our loan application is safe, using a securely encrypted application
  • Make no payments on your new loan for 90 daysº
  • We're local! Heritage Credit Union offers great service when you need it — right here in Wisconsin

Used Auto / Motorcycle

APR* (as low as)
Term: 24 Months
APR* (as low as): 2.25%
Term: 36 Months
APR* (as low as): 2.49%
Term: 48 Months
APR* (as low as): 2.75%
Term: 60 Months
APR* (as low as): 2.99%
Term: 72 Months
APR* (as low as): 3.49%
Term: 78 Months (minimum $25,000)
APR* (as low as): 3.99%

Rates listed effective as of January 17, 2022.

**Subject to qualified credit. Funds may take longer than one business day to receive depending on the product selected and the details of the loan. Subject to membership eligibility and a minimum share requirement of $5. All promotions and rates may change or end at any time without notice. ºSubject to qualified credit. Interest will accrue during 90-day no payment period. Promotion may change or end at any time. ººMonthly payment is based on payment per $1,000 for term and rate shown. Actual rates depend on loan-to-value ratio and creditworthiness. Payment amount does not include amounts for taxes, insurance premiums, titling fees or loan protection products. Down payment requirements may apply.

30 Year Fixed Mortgage

3.625% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*