Auto Loans
Find financing for the road ahead
An auto loan built around real life
Whether you’re buying new, shopping used, or refinancing your current vehicle, we offer flexible financing options to help you get where you need to go.
Finance new or used
Choose financing for a new or pre-owned car or truck that fits your needs and budget.
Loans for older vehicles
Financing options available for older-model vehicles.
Finance more of the purchase
Qualified borrowers may finance up to 100% of the vehicle’s sticker price or NADA retail value, plus applicable taxes and tags.
Refinance your current loan
Already have an auto loan with another lender? Heritage South may be able to offer a lower rate or more convenient terms.
Auto loan details at a glance
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Term |
Annual Percentage Rate (APR) as low as* |
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* Annual Percentage Rate of these secured Auto Loans depends on the borrower’s credit score, loan term, and age of the vehicle being used as collateral. All loans are subject to credit approval. Maximum financing up to 100% of sticker price or NADA retail value, plus taxes and tags. Application Fee: $50.00 Filing Fees: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount will be based upon the amount of fee required by state law or for the credit union to secure a lien on your property. Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date. |
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Term 24 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 6.85% |
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Term 36 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.1% |
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Term 48 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.35% |
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Term 60 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.6% |
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Term 72 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.85% |
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Term 84 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 8.1% |
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Term 96 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 9.65% |
Buy a new vehicle
Find financing for a new car or truck and choose a repayment term that works with your budget.
Buy a used vehicle
Finance a pre-owned vehicle and get back on the road easier.
Refinance your auto loan
Move an eligible vehicle loan from another financial institution to Heritage South and let us see if we can drop your rate, term, or monthly payment.
Estimate your monthly vehicle loan payment
Start your search with a plan
Knowing your financing options before you choose a vehicle can help you shop with greater confidence.
Heritage South’s Auto Showcase connects members with pre-owned vehicles from participating local dealerships. Contact the lending team first to prearrange your financing, then explore the available vehicles.
Extra protection for the unexpected
Optional coverage may help protect your vehicle, your loan, and your budget after you drive away.
GAP Coverage
May help cover the difference between your insurance settlement and the remaining balance on an eligible auto loan if the vehicle is stolen or declared a total loss.
Payment Protection
May help with eligible loan payments or balances following certain covered events, such as disability, involuntary unemployment, or death.
Extended Warranty
Route 66 Extended Warranty coverage may help with certain unexpected mechanical repairs and includes no deductible on covered parts or labor.
Frequently Asked Questions
Current auto loan terms range from 24 to 96 months. The term available to you will depend on factors such as your credit qualifications, requested loan amount, and the age of the vehicle.
Qualified borrowers may finance up to 100% of the vehicle’s sticker price or NADA retail value, plus applicable taxes and tags. Your approved amount may vary.
Your rate is based on your credit score, loan term, and the age of the vehicle. We will tell you the rate you qualify for before the loan is finalized.
Yes. We accept applications to refinance eligible auto loans currently held by other financial institutions. A new loan is subject to credit approval, vehicle-value requirements, and lending guidelines.
Contact one of our team members to ask about prearranged financing and what information you will need before shopping.
Heritage South currently lists a $50 loan application fee. A lien-filing fee may also apply when the credit union takes a security interest in the vehicle.
You can complete a new or used auto loan application online. Help is also available by calling Heritage South or visiting a branch.
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