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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 >


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 Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentº (per $1,000 borrowed)

24 Months

2.75%

$42.87

36 Months

3.39%

$29.25

48 Months

3.50%

$22.36

60 Months

3.80%

$18.33

72 Months

4.50%

$15.87

Rates listed effective as of September 30, 2020.

*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.

7 Year ARM Mortgage

3.000% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*