LOGINRefinance 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
|
APR* (as low as) |
Monthly Paymentº (per $1,000 borrowed) |
|
|---|---|---|
|
24 Months |
2.75% |
$42.87 |
|
36 Months |
2.99% |
$29.08 |
|
48 Months |
3.15% |
$22.20 |
|
60 Months |
3.35% |
$18.12 |
|
72 Months |
3.80% |
$15.55 |
Rates listed effective as of January 18, 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.