Your Road to Savings Starts Here!

Drop your rate by 2.50% APR* when you refinance from another institution. 

This year marks a milestone — America’s 250th anniversary — and we’re honoring it with an offer built around one simple idea: you deserve more freedom on the road and in your budget. If you refinance your auto loan from another institution, we’ll drop your rate by 2.50% APR*, giving you room to breathe, plan, and enjoy the ride. But hurry: this special offer ends July 31, 2026!

Start your application today and let the spirit of America 250 drive your savings forward. Just stop by any Heritage South location, give us a call, or apply online to see if we can drop your rate.

Apply online for a refinance now.

Limited-time offer ends July 31, 2026. *APR=Annual Percentage Rate. 5.99% APR is the lowest available rate and is accurate as of July 1, 2026. Floor rate is subject to change. Credit requirements apply. Loan approvals are based on collateral type, payment method, creditworthiness, ability to repay, and loan-to-value ratio. The amount available is based on MSRP or NADA Retail Value, not to exceed the current loan payoff amount. Credit Union Membership is required.