About Auto Loans by Heritage Credit Union
“Be prepared next time you need to buy or refinance a car.”
— Carly
From articles to calculators, check out everything you need to know about getting a car loan.
Car Loan Purchase
Time to buy a new car? Learn how easy it is…
Refinance a Car Loan
Spend less on your car loan. Get started…
Car Loan Pre-Approvals
Why is it important to get pre-approved before you buy? Learn more…
Rates & Calculators
Take advantage of great rates. Get started…
Check out our most popular car loan articles.
5 Reasons To Get Pre-Approved For A Car Loan
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When To Refinance Your Auto Loan
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Should You Finance a Car Through a Credit Union or a Dealership?
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Calculate your car payment with our easy loan calculator.
View today's auto loan rates below to help you get started.
New Auto Loan Rates
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Important Message Regarding Heritage Debit Cards
Some members are experiencing intermittent issues with debit card transactions. Please know we are doing what we can to resolve this issue as soon as possible.
Exciting News — Heritage members approved the merger with Connexus Credit Union effective March 1. Connexus Credit Union will provide increased value for our members, staff, and community. Here are a few resources about the merger...
Heritage Credit Union is rated 4.8 out of 5.0
10/21/2021
Used Auto Loan Rates:
Heritage Credit Union
Important Message Regarding Heritage Debit Cards
Some members are experiencing intermittent issues with debit card transactions. Please know we are doing what we can to resolve this issue as soon as possible.
Exciting News — Heritage members approved the merger with Connexus Credit Union effective March 1. Connexus Credit Union will provide increased value for our members, staff, and community. Here are a few resources about the merger...
Heritage Credit Union is rated 4.8 out of 5.0
10/21/2021
Ready for your next car loan? Apply online in as little as 10 minutes.
6 Essential Auto Loan Terms You Should Know
1) Interest Rate: An auto loan's interest rate is the amount of money paid each year to borrow from a lender shown as a percentage. Additional fees are not included in the interest rate.
2) APR (Annual Percentage Rate): APR is the amount of money paid each year to borrow from a lender, including fees, shown as a percentage. The APR of a loan is best described as the "all-in" yearly cost you will pay.
3) Principal: the principal of a loan is the amount of money you initially agree to pay back, without the added interest.
4) Loan Term: A loan's term is a broad description that includes various details of the loan. The term typically includes the loan's repayment period, rates, and fees. For example, a new car loan's term may include a 60 month repayment period at an interest rate of 4.00%.
5) Maturity Date: The maturity date of a loan is the date when the principal amount of a loan becomes due. For example, if you took out a $20,000 car loan with a 72-month term, your maturity date would be reached at the end of the 72 month period.
6) Amortization: Amortizing a loan is a technique used to spread out payments over a certain period of time (usually the loan term's repayment period). This is a great way to plan monthly payments and repay your loan in full before its maturity date.
Use our Car Payment Calculator to get an estimated month-by-month payment schedule for your next loan.
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