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Refinance today for a lower car loan payment tomorrow.

Our goal is to help you save money. Refinance your auto loan for lower monthly payments, plus make no payments for 90 days.

  • With rates as low as 2.74% APR* you can get an affordable monthly payment
  • Make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund your auto loan

Apply for your auto loan refinance in as little as 10 minutes.

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

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Calculate your new monthly car loan payment.

Use our loan calculator and the rate tables below to find your refinance savings.

Used Auto / Motorcycle

APR* (as low as)
Term: Model Years 2019 and Older: 24-36 Months
APR* (as low as): 2.74%
Term: Model Years 2019 and Older: 48 Months
APR* (as low as): 3.24%
Term: Model Years 2019 and Older: 60 Months
APR* (as low as): 3.74%
Term: Model Years 2019 and Older: 72 Months
APR* (as low as): 4.24%
Term: Model Years 2019 and Older: 84 Months
APR* (as low as): 5.74%


Rates listed effective as of June 27, 2022.

*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. 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 | NMLS #412170