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Let us help guide you to a new low rate auto loan.

Enjoy no payments for 90 days* with rates as low as 1.99% APR.**

Drive away happy with a low rate auto loan from Heritage in Rockford. We’ll give you 90 days without payments, plus a low interest rate.

Or, ask a loan officer a question >

Get pre-approved before you hit the dealer.

Whether you’re buying a new or used car or truck, getting pre-approved so you can shop for a vehicle stress-free, knowing what you can afford.

Get pre-approved today >

Looking for a lower monthly auto loan payment?

Our Rockford loan officers may be able to help. By bringing your auto loan from another lender to Heritage, you could save money over the life of the loan.

Try our one-click car loan calculator.

Estimate your new car loan payment using our free online calculator.

Use Calculator >

Auto Loan Rates


Used Auto

Term APR** (as low as) Monthly Paymentº (per $1,000 borrowed)
24 Months
36 Months
48 Months
60 Months
72 Months


New Auto

Term APR** (as low as) Monthly Paymentº (per $1,000 borrowed)
24 Months
36 Months
48 Months
60 Months
72 Months
84 Months


Rates listed effective as of January 3, 2020.

*Subject to qualified credit. Interest will accrue during 90-day no payment period. Promotion may change or end at anytime. **APR = Annual Percentage Rate. 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. Subject to membership eligibility and a minimum share requirement of $5. All promotions and rates may change or end at any time without notice.