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Auto Loan Low Payment Program

Whether you need to purchase a new car or refinance the one you have, qualified borrowers can get a lower rate and defer your first payment:

  • Get a 0.25% rate discount on auto loan purchases and non-Heritage Credit Union auto loan refinances°
  • Make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund auto loan

Use promo code 2020LOWRATE on your online application to apply for your auto loan rate discount.

View today's rates >

Do you have questions? Contact your local Heritage branch >


Our auto loan process is fast and simple. Here's what our members say:

“Best Loan Experience ever. Smooth and Quick.”

- Scott, Heritage Member

 

 


Used Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (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


New Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (per $1,000 borrowed)

24 Months

1.99%

$42.54

36 Months

2.99%

$29.08

48 Months

3.25%

$22.25

60 Months

3.40%

$18.15

72 Months

3.70%

$15.51

84 Months

4.50%

$13.90

 

*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. ºAll offers subject to qualified credit. Accountholder must be 16 years of age or older. Applicants must either be current Heritage Credit Union members or qualify for membership. New members are subject to member eligibility and an initial deposit of $5 into a primary savings account. Auto loan rate discount of 0.25% applies to normal posted rates and cannot be used with other loan specials or rate matches. Promotion runs June 16, 2020 through September 7, 2020. Promotion is subject to change and can 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.

Federally insured by NCUA. Equal Housing Opportunity Lender.