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Refinance today for a lower car loan payment tomorrow.

As your local credit union, our goal is to be here when you need us. Refinance your auto loan for a lower rate and defer your first payment:

  • Plus, make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund auto loan

Have a good credit score? Apply for your auto loan refinance online to get a lower monthly payment in as little as one day.

Do you have questions? Contact your local Heritage branch >

Visit Today — Your top resource for all things auto loans.


Meet your car loan expert and guide, Carly!

Whether you're interested in refinancing your current vehicle or buying a new car, has the resources you need to make the best decision on your next auto loan.

Catch up on our latest car-related articles or use one of six car loan calculators to find a payment and term that works best for you. You can even calculate how much you'll save with a fuel-efficient vehicle! 

Our process is fast and simple. Here's what one of our members had to say:

“I would recommend them to anyone looking to have a hassle-free refinance. They go above and beyond to help you out.”

- Bill, Heritage Member

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 December 08, 2021.

*APR = Annual Percentage Rate. **Subject to qualified credit. Interest on 90-days, no payment loans will accrue immediately after disbursal and will be amortized over the loan. Offer may change or end at any time. ºMonthly 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

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*