Skip to main content

Drive away happy with a low rate auto loan.

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:

  • Auto loan rates as low as 1.99% APR*
  • Make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund your auto loan

Have a good credit score? Apply for your auto loan online and get a decision on your loan in minutes.

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:

“Good Rates, simple loan application process and helpful staff.”

- Scott, Heritage Member



Used Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentº (per $1,000 borrowed)

24 Months



36 Months



48 Months



60 Months



72 Months




New Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentº (per $1,000 borrowed)

24 Months



36 Months



48 Months



60 Months



72 Months



84 Months




*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.

Federally insured by NCUA. Equal Housing Opportunity Lender.