About Auto Loans - Milwaukee, WI - By Heritage Credit Union
Use Our Refinance Calculator
Calculate the money you'll save each month with a refinance.
5 Tips To Improve Your Credit Score
Staying on top of your bills and debt can save you money by avoiding higher loan rates.
Refinance your car loan in 3 simple steps
Applying for an auto loan refinance can be done completely online in 3 easy steps.
Step 1) Get organized
- Use calculator to find an ideal payment
- Have your Make, Model, VIN, and mileage ready for the application
Step 2) Apply online 24/7
- An eLoan Officer will get in touch shortly. Once approved, you will need to get a 10-day payoff information from your current lender. Please request the info be faxed or emailed to your eLoan Officer
Step 3) Sign documents from anywhere
- Use your phone or computer to sign documents and we will take care of the rest!

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Heritage Credit Union
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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
6 Essential Car 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) 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.
6) 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.