{"id":2654,"date":"2026-06-22T16:12:16","date_gmt":"2026-06-22T21:12:16","guid":{"rendered":"https:\/\/www.heritagesouth.org\/loans-credit-cards\/auto-loans\/buy-car\/"},"modified":"2026-10-22T11:29:04","modified_gmt":"2026-10-22T16:29:04","slug":"auto","status":"publish","type":"page","link":"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/auto-vehicle-loans\/auto\/","title":{"rendered":"Pr\u00e9stamos para autom\u00f3viles"},"content":{"rendered":"<div class=\"co-flex_row next_row__sticky-nav co-flex_row__page-hero\"><div class=\"co-flex_row--row co-row\">\t<header class=\"co-page_hero  co-page_hero__brown co-page_hero__has_image display-img-desktop display-img-mobile\" aria-label=\"Header: Auto Loans\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"co-page_hero--text\">\n\t\t\t\t<div class=\"co-breadcrumbs\"><div class=\"co-breadcrumbs--inner\"><ol><li class=\"co-breadcrumbs--item\"><a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/\">Loans &#038; Credit Cards<\/a><svg class=\"icon-svg\" aria-hidden=\"true\" viewBox=\"0 0 16 16\">\n\t\t\t\t<polyline fill=\"none\" stroke=\"currentColor\" stroke-width=\"1\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-miterlimit=\"10\" points=\"6.5,3.5 11,8 6.5,12.5\"><\/polyline>\n\t\t\t<\/svg><\/li><li class=\"co-breadcrumbs--item\"><a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/auto-vehicle-loans\/\">Auto &amp; Vehicle Loans<\/a><svg class=\"icon-svg\" aria-hidden=\"true\" viewBox=\"0 0 16 16\">\n\t\t\t\t<polyline fill=\"none\" stroke=\"currentColor\" stroke-width=\"1\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-miterlimit=\"10\" points=\"6.5,3.5 11,8 6.5,12.5\"><\/polyline>\n\t\t\t<\/svg><\/li><li class=\"co-breadcrumbs--item current\">Auto Loans<\/li><\/ol><\/div><\/div>\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\tAuto Loans\t\t\t\t<\/h1>\n\t\t\t\t<p class=\"co-page_hero--tagline\">Find financing for the road ahead<\/p>\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t<a class=\"co-page_hero--button gtm-button\" href=\"https:\/\/onboard.cotribute.co\/flows\/e2a7d2bb-f837-4410-9a83-d0f376c92a2e\"  >Apply for an Auto Loan<\/a><a class=\"co-page_hero--link\" href=\"https:\/\/www.heritagesouth.org\/rates\/\"  >View Current Rates<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"975\" height=\"546\" src=\"https:\/\/www.heritagesouth.org\/files\/TruckOnFarm.jpg\" class=\"co-page_hero--img\" alt=\"Man in a truck on the farm.\" loading=\"eager\" srcset=\"https:\/\/www.heritagesouth.org\/files\/TruckOnFarm.jpg 975w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-540x302.jpg 540w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-730x409.jpg 730w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-768x430.jpg 768w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-18x10.jpg 18w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-396x222.jpg 396w, https:\/\/www.heritagesouth.org\/files\/TruckOnFarm-75x42.jpg 75w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__columns co-flex_row__sticky-nav\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sticky_nav_wrap is-active\" id=\"js-sticky_nav_wrap\">\n\t\t<nav class=\"co-sticky_nav\" id=\"js-sticky_nav\" aria-label=\"in page anchor navigation\">\n\t\t\t<div class=\"co-sticky_nav--mobile\">\n\t\t\t\t<button\n\t\t\t\t\tclass=\"co-sticky_nav--toggle\"\n\t\t\t\t\tid=\"js-sticky_nav_toggle\"\n\t\t\t\t\taria-label=\"Open and close page menu\"\n\t\t\t\t>Explore Page<\/button>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"co-sticky_nav--links\" id=\"js-sticky_nav_links\">\n\t\t\t\t<div class=\"co-sticky_nav--label text-component\">\n\t\t\t\t\t<p class=\"co-sticky_nav--label_text\">\n\t\t\t\t\t\tExplore Page\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"co-sticky_nav--links_inner\">\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#benefits\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Benefits\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tBenefits\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#ratesterms\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Rates &#038; Terms\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tRates &#038; Terms\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#loanoptions\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Loan Options\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tLoan Options\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#paymentcalculator\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Payment Calculator\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tPayment Calculator\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#loanprotection\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"Loan Protection\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tLoan Protection\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"#faqs\"\n\t\t\t\t\t\t\tclass=\"co-sticky_nav--link js-sticky_nav_item\"\n\t\t\t\t\t\t\taria-label=\"FAQs\"\t\t\t\t\t\t>\n\t\t\t\t\t\t\tFAQs\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__long-form-text co-flex_row__columns\" id=\"benefits\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">An auto loan built around real life<\/h2><div class=\"co-intro_text--intro text-component\"><p data-pm-slice=\"1 1 []\">Whether you&#8217;re buying new, shopping used, or refinancing your current vehicle, we offer flexible financing options to help you get where you need to go.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:4 co-columns--row__icons justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Auto\"\n\t\tviewBox=\"0 0 86 68\"\n\t\twidth=\"86\"\n\t\theight=\"68\"\n\t>\n\t\t<title>Auto<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M6.064 23.08H9.07l2.722-6.347H6.064a3.18 3.18 0 0 0-3.177 3.176 3.18 3.18 0 0 0 3.177 3.176zm73.878 0a3.18 3.18 0 0 0 3.177-3.177 3.18 3.18 0 0 0-3.177-3.176h-5.785l2.7 6.347h3.085z\"\/><path fill=\"#fff\" d=\"M15.405 15.62q-.06.24-.187.438l-3.21 7.493c20.584 5.473 41.395 5.473 61.91 0l-3.272-7.697v-.012l-3.494-8.219a7.78 7.78 0 0 0-7.17-4.747H26.006A7.79 7.79 0 0 0 18.843 7.6zm50.686 24.198a3.18 3.18 0 0 0-3.176 3.176 3.18 3.18 0 0 0 3.176 3.177 3.18 3.18 0 0 0 3.177-3.177 3.18 3.18 0 0 0-3.177-3.176m-46.171 0a3.18 3.18 0 0 0-3.176 3.176 3.18 3.18 0 0 0 3.176 3.177 3.18 3.18 0 0 0 3.177-3.177 3.18 3.18 0 0 0-3.177-3.176\"\/><path fill=\"#b5be34\" d=\"M75.059 26.233c-10.635 2.876-21.35 4.328-32.07 4.328S21.53 29.11 10.856 26.233l-2.348 5.48a12.4 12.4 0 0 0-1.004 4.889V49.92a5.493 5.493 0 0 0 5.485 5.485h60.022a5.493 5.493 0 0 0 5.485-5.485V36.857a12.45 12.45 0 0 0-.987-4.855zM19.92 49.053a6.064 6.064 0 0 1-6.057-6.059 6.064 6.064 0 0 1 6.057-6.057 6.064 6.064 0 0 1 6.058 6.057 6.064 6.064 0 0 1-6.058 6.058m35.525-4.93c-4.158 3.301-8.327 4.952-12.485 4.952s-8.304-1.65-12.405-4.958a1.45 1.45 0 0 1-.22-2.03 1.453 1.453 0 0 1 2.03-.221c7.107 5.728 14.067 5.723 21.282-.006a1.442 1.442 0 0 1 1.792 2.257zm10.646 4.93a6.064 6.064 0 0 1-6.058-6.059 6.064 6.064 0 0 1 6.058-6.057 6.064 6.064 0 0 1 6.058 6.057 6.064 6.064 0 0 1-6.058 6.058\"\/><path fill=\"#473124\" d=\"M12.127 58.201v3.262a3.18 3.18 0 0 0 3.176 3.176h4.617a3.18 3.18 0 0 0 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1.004-4.89l2.348-5.479c10.675 2.876 21.407 4.328 32.133 4.328s21.434-1.452 32.07-4.328l2.45 5.769a12.4 12.4 0 0 1 .987 4.855V49.92zm-55.41 11.543a3.18 3.18 0 0 1-3.176 3.176h-4.617a3.18 3.18 0 0 1-3.177-3.176V58.2c.29.029.567.085.868.085h10.102zM6.063 16.733h5.73L9.07 23.08H6.063a3.18 3.18 0 0 1-3.176-3.177 3.18 3.18 0 0 1 3.176-3.176zM26.007 2.88h33.975c3.131 0 5.95 1.86 7.17 4.748l3.494 8.219v.011l3.272 7.697c-20.515 5.474-41.326 5.474-61.91 0l3.21-7.493c.085-.136.148-.278.187-.436l3.438-8.02a7.78 7.78 0 0 1 7.163-4.726m53.935 13.852a3.18 3.18 0 0 1 3.177 3.176 3.18 3.18 0 0 1-3.177 3.176h-3.085l-2.7-6.347h5.785z\"\/><path fill=\"#473124\" d=\"M19.92 36.93a6.064 6.064 0 0 0-6.057 6.059 6.064 6.064 0 0 0 6.057 6.057 6.064 6.064 0 0 0 6.058-6.057 6.064 6.064 0 0 0-6.058-6.058m0 9.235a3.18 3.18 0 0 1-3.176-3.176 3.18 3.18 0 0 1 3.176-3.177 3.18 3.18 0 0 1 3.177 3.177 3.18 3.18 0 0 1-3.177 3.176m46.171-9.236a6.064 6.064 0 0 0-6.058 6.059 6.064 6.064 0 0 0 6.058 6.057 6.064 6.064 0 0 0 6.058-6.057 6.064 6.064 0 0 0-6.058-6.058m0 9.235a3.18 3.18 0 0 1-3.176-3.176 3.18 3.18 0 0 1 3.176-3.177 3.18 3.18 0 0 1 3.176 3.177 3.18 3.18 0 0 1-3.176 3.176m-12.439-4.3c-7.215 5.728-14.18 5.734-21.281.005a1.443 1.443 0 1 0-1.81 2.252c4.101 3.307 8.247 4.958 12.405 4.958s8.327-1.651 12.484-4.952a1.442 1.442 0 0 0-1.792-2.258z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Finance new or used<\/h3><div class=\"co-card--desc text-component\"><p>Choose financing for a new or pre-owned car or truck that fits your needs and budget.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Calendar\"\n\t\tviewBox=\"0 0 85 75\"\n\t\twidth=\"85\"\n\t\theight=\"75\"\n\t>\n\t\t<title>Calendar<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M18.977 19.693a4.77 4.77 0 0 1-4.765-4.765V10H9.846a7.1 7.1 0 0 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.757.613 1.38 1.38 1.38\"\/><path fill=\"#473124\" d=\"M74.231 7.25H70.05V4.764A4.77 4.77 0 0 0 65.284 0a4.77 4.77 0 0 0-4.765 4.765v10.163a4.77 4.77 0 0 0 4.765 4.765 4.77 4.77 0 0 0 4.764-4.765V10h4.182a7.1 7.1 0 0 1 7.096 7.096v5.807H2.75v-5.807A7.1 7.1 0 0 1 9.846 10h4.366v4.928a4.77 4.77 0 0 0 4.765 4.765 4.77 4.77 0 0 0 4.765-4.765V4.765A4.77 4.77 0 0 0 18.977 0a4.77 4.77 0 0 0-4.765 4.765v2.484H9.846C4.417 7.25 0 11.666 0 17.096v47.442c0 5.43 4.417 9.847 9.846 9.847h64.385c5.43 0 9.847-4.417 9.847-9.847V17.096c0-5.43-4.417-9.847-9.847-9.847m-8.936 9.692c-1.104 0-2.014-.9-2.014-2.014V4.765c0-1.105.9-2.015 2.014-2.015s2.014.9 2.014 2.015v10.163c0 1.104-.9 2.014-2.014 2.014m6.4 8.712h9.643v38.884a7.1 7.1 0 0 1-7.096 7.096H9.846a7.1 7.1 0 0 1-7.096-7.096V30.991h69.6a1.381 1.381 0 0 0 0-2.76H2.75v-2.577zM18.978 2.75c1.104 0 2.014.9 2.014 2.015v10.163c0 1.104-.9 2.014-2.014 2.014s-2.014-.9-2.014-2.014V4.765c0-1.105.9-2.015 2.014-2.015\"\/><path fill=\"#473124\" d=\"M37.218 37.228h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.569h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.138h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m15.245-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m16.196-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m15.245-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.568h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Loans for older vehicles<\/h3><div class=\"co-card--desc text-component\"><p>Financing options available for older-model vehicles.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon DollarBills\"\n\t\tviewBox=\"0 0 77 78\"\n\t\twidth=\"77\"\n\t\theight=\"78\"\n\t>\n\t\t<title>Dollar Bills<\/title>\n\t\t<path fill=\"#acb531\" d=\"M16.76 11.777 2.265 17.666c9.06-1.088 20.081 8.304 24.46 13.136C26 24.279 19.779 15.4 16.76 11.777\"\/><path fill=\"#acb531\" d=\"M12.683 6.341c2.537.725 10.116 14.797 13.589 21.743l1.359 2.718c-1.087-3.624 1.057-18.119 2.265-24.913-2.175-1.45-12.381-.302-17.213.452\"\/><path fill=\"#fff\" d=\"M22.195 37.143c1.812-4.348 7.097-2.718 9.513-1.359 0-1.359 11.777-2.265 14.947-2.265 2.537 0 4.379.604 4.983.906l10.418 16.307 3.624.906-4.983 21.742-4.076-.906c-5.074 3.262-10.872 3.171-13.136 2.718l-18.119-4.53c-5.073 0-6.643-2.717-6.794-4.076-1.087-5.436 3.17-5.889 5.435-5.436-6.885-2.174-7.398-4.831-6.794-5.888 0-2.86 1.459-4.048 3.468-4.296-1.719-1.037-2.884-2.64-2.562-5.217.434-3.478 3.282-3.978 6.274-3.398-1.891-1.204-3.15-2.922-2.198-5.208\"\/><path fill=\"#acb531\" d=\"m32.16 36.237 1.812-1.812c0-2.415.997-7.156 4.983-6.794s5.285 3.775 5.436 5.435h5.888c.725-3.986 5.738-16.457 8.153-22.195l-25.366-9.06c-7.247 10.872-5.737 26.877-4.076 33.52z\"\/><g fill=\"#473124\"><path d=\"M33.685 25.266c.662 0 1.203-.542 1.203-1.203 0-2.105 0-7.555 1.78-10.923a4.83 4.83 0 0 0 2.948-2.022l7.53 2.864c-.132 1.034-.06 2.586 1.035 4.174-.637 1.251-1.912 4.03-2.899 8.012a1.206 1.206 0 0 0 1.167 1.492c.541 0 1.035-.373 1.167-.915 1.239-5.052 3.007-8.06 3.031-8.096a1.2 1.2 0 0 0-.132-1.407c-1.552-1.769-.878-3.477-.854-3.537.132-.3.132-.65 0-.95a1.23 1.23 0 0 0-.686-.662l-9.48-3.609a1.194 1.194 0 0 0-1.527.638c-.698 1.588-1.937 1.684-2.057 1.684-.421 0-.806.216-1.023.565-2.406 3.898-2.406 10.045-2.406 12.668 0 .661.542 1.203 1.203 1.203z\"\/><path d=\"m76.079 50.565-7.242-1.805a3.6 3.6 0 0 0-2.767.421c-.542.325-.95.794-1.251 1.324l-1.372-.169a.64.64 0 0 1-.48-.313l-8.77-14.303a7.2 7.2 0 0 0-2.708-2.563c3.874-14.64 8.41-21.593 8.458-21.665.204-.301.252-.686.144-1.035a1.24 1.24 0 0 0-.734-.758L33.168.075a1.19 1.19 0 0 0-1.504.626c-4.728 10.117-5.485 19.416-5.185 25.816-2.598-8.409-8.842-16.108-11.885-19.513l10.779-.974a1.21 1.21 0 0 0 1.094-1.311 1.213 1.213 0 0 0-1.31-1.095L11.922 4.827a1.2 1.2 0 0 0-1.022.794c-.157.433-.049.926.276 1.263.048.048 1.757 1.78 3.958 4.535L.771 16.93a1.22 1.22 0 0 0-.745 1.384c.132.577.673.974 1.263.938.65-.048 15.687-.878 23.735 14.291-.41.12-.818.265-1.203.481a5.5 5.5 0 0 0-2.647 3.345v.036c-.818 2.947.915 6.027 3.862 6.857l4.884 1.383-.554 5.594c-.035.35 0 .698.06 1.035l-7.843-2.286a3.2 3.2 0 0 1-1.913-1.504 3.2 3.2 0 0 1-.288-2.417 1.2 1.2 0 1 0-2.31-.65 5.52 5.52 0 0 0 .505 4.246 5.57 5.57 0 0 0 3.345 2.647l10.117 2.947a3.18 3.18 0 0 1 2.19 3.922 3.2 3.2 0 0 1-1.505 1.913 3.2 3.2 0 0 1-2.418.288l-8.433-2.381a3.19 3.19 0 0 1-2.285-3.465 1.205 1.205 0 0 0-1.035-1.347 1.197 1.197 0 0 0-1.347 1.034c-.349 2.719 1.371 5.342 4.018 6.087l8.433 2.382c.505.145 1.01.217 1.528.217.336 0 .673-.048 1.01-.108.084.156.18.312.337.433a3.18 3.18 0 0 1 1.203 2.971 3.186 3.186 0 0 1-3.597 2.695l-6.568-.939a3.12 3.12 0 0 1-2.094-1.239 3.17 3.17 0 0 1-.601-2.358 1.197 1.197 0 0 0-1.023-1.359 1.213 1.213 0 0 0-1.359 1.023c-.433 3.043 1.696 5.882 4.74 6.315l.95.133 19.356 4.342a17.85 17.85 0 0 0 11.056-1.022l1.564-.674a4.86 4.86 0 0 1 3.031-.252l1.516.373a3.6 3.6 0 0 0 2.454 2.14l2.502.626q.144.037.289.037c.541 0 1.035-.361 1.167-.915a1.196 1.196 0 0 0-.878-1.455l-2.502-.626a1.2 1.2 0 0 1-.879-1.444l4.92-20.559c.073-.325.265-.59.542-.758s.601-.228.926-.144l7.242 1.805a1.203 1.203 0 0 0 .578-2.334zM6.546 17.29l10.129-3.898c2.96 3.97 6.304 9.323 7.795 14.809-5.593-7.41-12.968-10.02-17.924-10.911M27.67 33.627v.072c0 .06-.024.108-.036.168 0-.072.036-.156.036-.228zm-.084.48c-.024.073-.072.121-.108.181.036-.06.084-.12.108-.192zm2.49 5.932-.036 3.127-4.355-1.227a3.18 3.18 0 0 1-2.189-3.922v-.024a3.133 3.133 0 0 1 3.886-2.13l3.464 1.012a7.2 7.2 0 0 0-.77 3.163m-.168-5.955C29.282 31.449 26.624 18 33.385 2.722l23.783 8.733c-1.504 2.659-4.908 9.444-7.964 20.933a6.8 6.8 0 0 0-1.564-.097l-2.177.12v-.072c-.53-4.33-3.778-5.87-6.4-5.87-4.067 0-6.593 2.767-6.593 7.218v1.155l-.084-.024-2.49-.734zm13.16-1.54-6.183.349a7.3 7.3 0 0 0-1.997.397c.084-1.805.794-4.415 4.175-4.415 1.058 0 3.548.36 3.994 3.669zM59.61 71.689l-.83-.204a7.24 7.24 0 0 0-4.56.373l-1.564.673a15.5 15.5 0 0 1-9.587.878l-10.142-2.273c1.143-.854 1.973-2.13 2.19-3.657a5.59 5.59 0 0 0-1.612-4.764c.974-.734 1.696-1.733 2.033-2.935a5.5 5.5 0 0 0-.505-4.247c-.097-.168-.217-.313-.325-.47a7.21 7.21 0 0 0 6.316-5.16l.168-.577c1.624 3.861 4.632 8.914 10.153 10.754.133.048.253.06.385.06.505 0 .975-.324 1.143-.818a1.22 1.22 0 0 0-.758-1.527c-6.64-2.214-9.167-10.394-10.009-13.077 0-.036-.036-.06-.048-.084a3.64 3.64 0 0 0-1.311-2.021l-.349-.265a1.206 1.206 0 0 0-1.684.229c-.41.53-.301 1.287.228 1.684l.35.265c.396.3.565.806.42 1.287l-.998 3.428a4.82 4.82 0 0 1-4.391 3.465l-1.311.06a1.17 1.17 0 0 1-.927-.373c-.24-.252-.36-.59-.325-.95l.662-6.737c0-.108.012-.217.012-.325l.036-4.33a4.83 4.83 0 0 1 4.548-4.764l10.754-.602a4.83 4.83 0 0 1 4.367 2.286l8.77 14.303a3.07 3.07 0 0 0 2.25 1.444l.95.12-4.511 18.851z\"\/><\/g>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Finance more of the purchase<\/h3><div class=\"co-card--desc text-component\"><p>Qualified borrowers may finance up to 100% of the vehicle\u2019s sticker price or NADA retail value, plus applicable taxes and tags.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon PercentageSignwithDownArrow\"\n\t\tviewBox=\"0 0 47 81\"\n\t\twidth=\"47\"\n\t\theight=\"81\"\n\t>\n\t\t<title>Percentage Sign with Down Arrow<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M33.868 60.684c-.629-.045-1.38-.034-1.807-.427-.426-.393-.325-.909-.337-1.38q.018-15.807.135-31.612c-5.005-.102-10.01-.057-15.015-.09-1.077-.023-2.278.112-3.21-.36-.515-.46-.47-1.088-.493-1.638.079-6.441.09-12.882.18-19.324-.034-.74.067-1.481-.056-2.222-3.199-.022-6.386-.09-9.584-.034-.09 6.094-.056 12.188-.146 18.281-.011 4.074-.157 8.147-.101 12.22.898.124 1.818.046 2.716.08 4.634-.012 9.27 0 13.904 0 .55.022 1.167-.023 1.66.201.494.315.607.82.595 1.268-.067 7.34-.157 14.679-.202 22.018-.056.83.169 1.75-.482 2.48-.617.404-1.515.37-2.29.404-2.502-.023-5.004.022-7.507.022 2.873 3.513 6.094 6.89 9.079 10.358a339 339 0 0 0 5.723 6.419c5.117-5.532 10.122-11.12 15.396-16.575-2.715-.134-5.442 0-8.158-.1z\"\/><path fill=\"#473124\" d=\"M45.595 58.35c-3.479-.068-6.958.033-10.425-.124-.023-10.268 0-20.525.157-30.793-.045-.808.247-1.728-.528-2.402-.336-.18-.763-.19-1.155-.213-5.69-.09-11.38.045-17.07-.045.113-7.35.09-14.7.225-22.05.056-.63-.291-1.448-1.324-1.482-4.186-.079-8.371 0-12.557-.112-.853-.023-1.975-.023-2.413.617C.146 2.464.247 3.238.213 3.99.123 14.023.09 24.055 0 34.1c.023.628-.1 1.302.337 1.874.449.527 1.369.583 2.143.617 5.454.09 10.908-.112 16.35.045-.078 7.137-.1 14.285-.145 21.434-3.39.112-6.79-.034-10.179.045-1.301-.056-1.84 1.122-1.29 1.84 1.178 1.638 2.66 3.142 4.006 4.713 4.388 4.904 8.708 9.842 13.062 14.757.55.595 1.145 1.392 2.278 1.392.943.044 1.46-.606 1.93-1.089 5.578-6.004 11.088-12.052 16.676-18.056.54-.662 1.302-1.234 1.74-1.941.359-.64-.382-1.403-1.347-1.358zm-24.688 12.6c-2.985-3.467-6.206-6.834-9.079-10.357 2.503 0 5.005-.045 7.508-.023.774-.022 1.672 0 2.289-.404.65-.74.426-1.66.482-2.48.045-7.339.135-14.678.202-22.017.023-.45-.09-.954-.594-1.268-.494-.214-1.111-.169-1.661-.202-4.635 0-9.27-.023-13.904 0-.91-.034-1.83.045-2.716-.079-.056-4.073.079-8.147.101-12.22.09-6.094.056-12.188.146-18.281 3.187-.056 6.385 0 9.583.034.124.74.023 1.48.057 2.222-.101 6.44-.101 12.882-.18 19.324.023.56-.022 1.178.494 1.638.931.471 2.143.337 3.21.36 5.004.033 10.01-.023 15.014.089a4957 4957 0 0 0-.135 31.612c0 .46-.09.988.337 1.38.427.393 1.178.37 1.807.427 2.716.1 5.454-.034 8.158.1-5.274 5.455-10.279 11.043-15.396 16.576a379 379 0 0 1-5.723-6.42z\"\/><path fill=\"#473124\" d=\"M25.654 10.016c1.829-.022 3.613-1.122 4.42-2.771.921-1.93.517-4.433-1.065-5.892C27.988.4 26.574-.06 25.193.006c-1.447.101-2.816.898-3.636 2.088-1.178 1.638-1.256 4.006-.134 5.69.886 1.424 2.558 2.289 4.22 2.221zM23.52 4.563c.169-.92 1.021-1.605 1.942-1.673 1.2-.123 2.39.954 2.3 2.178 0 1.155-1.088 2.165-2.233 2.098-1.257-.045-2.3-1.369-2.009-2.603m-1.29 16.069c.349.965 1.729 1.145 2.391.427 2.3-2.256 4.511-4.59 6.778-6.89 3.39-3.569 6.924-6.98 10.313-10.538.337-.381.64-.864.64-1.391-.045-.842-.977-1.414-1.762-1.235-.326.079-.606.292-.853.516-5.723 5.735-11.402 11.525-17.08 17.305-.494.437-.752 1.167-.437 1.784zm15.622-7.709c-1.29.258-2.514.987-3.221 2.12-1.19 1.763-1.066 4.31.314 5.926 1.56 1.83 4.478 2.368 6.52 1.032 1.863-1.122 2.75-3.512 2.132-5.588-.628-2.424-3.321-3.95-5.745-3.49m3.086 5.184c-.113.876-.82 1.639-1.706 1.785-1.234.314-2.592-.74-2.559-2.032-.09-1.02.707-1.963 1.672-2.188 1.414-.381 2.817 1.021 2.581 2.435z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Refinance your current loan<\/h3><div class=\"co-card--desc text-component\"><p>Already have an auto loan with another lender? Heritage South may be able to offer a lower rate or more convenient terms.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__columns co-flex_row__long-form-text\" id=\"ratesterms\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Auto loan details at a glance<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-center co-long_form--block__nomedia justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><p><div class=\"co-rates_table_wrap co-rates_table_wrap__products_list\">\n\t<table class=\"co-rates_table\">\n\t\t\t\t\t<caption class=\"co-rates_table_wrap--title\" id=\"newandusedautoloans\">\n\t\t\t\tNew and Used Auto Loans\t\t\t<\/caption>\n\t\t\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"2\">\n\t\t\t\t\t\t<p>* Annual Percentage Rate of these secured Auto Loans depends on the borrower\u2019s credit score, loan term, and age of the vehicle being used as collateral. All loans are subject to credit approval.<\/p>\n<p>Maximum financing up to 100% of sticker price or NADA retail value, plus taxes and tags.<\/p>\n<p><strong>Application Fee: $50.00<\/strong><\/p>\n<p><strong>Filing Fees:<\/strong> 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.<\/p>\n<p><strong>Late Payment Fee:<\/strong> 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.<\/p>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>24 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.85%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>36 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.1%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>48 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.35%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>60 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.6%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>72 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.85%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>84 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>8.1%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>96 Month New and Used Auto Loans<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Annual Percentage Rate (APR) as low as*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>9.65%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div><\/p>\n<\/div><a class=\"co-long_form--button co-button gtm-button\" href=\"https:\/\/onboard.cotribute.co\/flows\/e2a7d2bb-f837-4410-9a83-d0f376c92a2e\"  >Apply for an Auto Loan<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__auto-loans-calculator co-flex_row__columns\" id=\"loanoptions\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:3 co-columns--row__images justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\"><img loading=\"lazy\" decoding=\"async\" width=\"406\" height=\"250\" src=\"https:\/\/www.heritagesouth.org\/files\/FatherSonSittingInTrunk.jpg\" class=\"co-card--image\" alt=\"Father &amp; Son sit in the trunk of their new car.\" srcset=\"https:\/\/www.heritagesouth.org\/files\/FatherSonSittingInTrunk.jpg 406w, https:\/\/www.heritagesouth.org\/files\/FatherSonSittingInTrunk-18x12.jpg 18w, https:\/\/www.heritagesouth.org\/files\/FatherSonSittingInTrunk-396x244.jpg 396w, https:\/\/www.heritagesouth.org\/files\/FatherSonSittingInTrunk-75x46.jpg 75w\" sizes=\"auto, (max-width: 406px) 100vw, 406px\" \/><\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Buy a new vehicle<\/h2><div class=\"co-card--desc text-component\"><p>Find financing for a new car or truck and choose a repayment term that works with your budget.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"co-card--footer\"><a class=\"co-columns--button co-button\" href=\"https:\/\/www.heritagesouth.org\/apply-loan\/\"  >Apply for a New Auto Loan<\/a><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\"><img loading=\"lazy\" decoding=\"async\" width=\"406\" height=\"250\" src=\"https:\/\/www.heritagesouth.org\/files\/ManWashingOldCar.jpg\" class=\"co-card--image\" alt=\"Mature man washes his old car.\" srcset=\"https:\/\/www.heritagesouth.org\/files\/ManWashingOldCar.jpg 406w, https:\/\/www.heritagesouth.org\/files\/ManWashingOldCar-18x12.jpg 18w, https:\/\/www.heritagesouth.org\/files\/ManWashingOldCar-396x244.jpg 396w, https:\/\/www.heritagesouth.org\/files\/ManWashingOldCar-75x46.jpg 75w\" sizes=\"auto, (max-width: 406px) 100vw, 406px\" \/><\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Buy a used vehicle<\/h2><div class=\"co-card--desc text-component\"><p>Finance a pre-owned vehicle and get back on the road easier.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"co-card--footer\"><a class=\"co-columns--button co-button\" href=\"https:\/\/www.heritagesouth.org\/apply-loan\/\"  >Apply for a Used Auto Loan<\/a><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\"><img loading=\"lazy\" decoding=\"async\" width=\"406\" height=\"250\" src=\"https:\/\/www.heritagesouth.org\/files\/WomanWithCarPhone.jpg\" class=\"co-card--image\" alt=\"Woman looking at her mobile phone while leaning up against her car.\" srcset=\"https:\/\/www.heritagesouth.org\/files\/WomanWithCarPhone.jpg 406w, https:\/\/www.heritagesouth.org\/files\/WomanWithCarPhone-18x12.jpg 18w, https:\/\/www.heritagesouth.org\/files\/WomanWithCarPhone-396x244.jpg 396w, https:\/\/www.heritagesouth.org\/files\/WomanWithCarPhone-75x46.jpg 75w\" sizes=\"auto, (max-width: 406px) 100vw, 406px\" \/><\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Refinance your auto loan<\/h2><div class=\"co-card--desc text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"co-card--footer\"><a class=\"co-columns--button co-button\" href=\"https:\/\/www.heritagesouth.org\/apply-loan\/\"  >Apply to Refinance<\/a><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__single-path-cta co-flex_row__auto-loans-calculator\" id=\"paymentcalculator\"><div class=\"co-flex_row--row co-row\">\t\t<header class=\"co-intro_text co-calculator--intro has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Estimate your monthly vehicle loan payment<\/h2><div class=\"co-intro_text--intro text-component\">Enter a total loan amount, your planned down payment, and your desired loan term to estimate your monthly payment.<\/div>\t\t<\/header>\n\t\t<section class=\"co-calculator js-heritage-calculator\" data-calculator=\"auto-loans\" aria-label=\"Auto loans calculator\">\n\t<script class=\"js-calculator-config\" type=\"application\/json\">{\"purchase\":{\"default\":30000,\"minimum\":2000,\"maximum\":0},\"downPayment\":{\"default\":0,\"minimum\":0,\"maximum\":0},\"termUnit\":\"months\",\"terms\":[{\"term\":24,\"label\":\"months\",\"rate\":6.85,\"default\":false},{\"term\":36,\"label\":\"months\",\"rate\":7.1,\"default\":false},{\"term\":48,\"label\":\"months\",\"rate\":7.35,\"default\":false},{\"term\":60,\"label\":\"months\",\"rate\":7.6,\"default\":true},{\"term\":72,\"label\":\"months\",\"rate\":7.85,\"default\":false},{\"term\":84,\"label\":\"months\",\"rate\":8.1,\"default\":false},{\"term\":96,\"label\":\"months\",\"rate\":9.65,\"default\":false}],\"cta\":{\"title\":\"\",\"url\":\"\",\"target\":\"\"},\"disclosures\":\"\\u003Cp\\u003ECalculated payments shown are for estimation purposes only and use best available rate. Actual loan payment amount will be disclosed at loan closing and may differ based upon credit score and other factors.\\u003C\\\/p\\u003E\\n\"}<\/script>\n\t<noscript>JavaScript is required to use this calculator.<\/noscript>\n<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__columns co-flex_row__single-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<h2 class=\"co-sp_cta--headline\">Start your search with a plan<\/h2><div class=\"co-sp_cta--desc\"><p class=\"PDq2pG_selectionAnchorContainer\" data-start=\"3465\" data-end=\"3566\">Knowing your financing options before you choose a vehicle can help you shop with greater confidence.<\/p>\n<p data-start=\"3568\" data-end=\"3775\">Heritage South\u2019s 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.<\/p>\n<\/div><a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/loans-credit-cards\/auto-vehicle-loans\/shop-cars\/\"  >Shop for a Car<\/a>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__faqs co-flex_row__columns\" id=\"loanprotection\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Extra protection for the unexpected<\/h2><div class=\"co-intro_text--intro text-component\"><p class=\"PDq2pG_selectionAnchorContainer\" data-start=\"3970\" data-end=\"4067\">Optional coverage may help protect your vehicle, your loan, and your budget after you drive away.<\/p>\n<h3 data-section-id=\"9vwgu6\" data-start=\"4069\" data-end=\"4085\"><\/h3>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:3 co-columns--row__no_media justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >GAP Coverage<\/h3><div class=\"co-card--desc text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Payment Protection<\/h3><div class=\"co-card--desc text-component\"><p>May help with eligible loan payments or balances following certain covered events, such as disability, involuntary unemployment, or death.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Extended Warranty<\/h3><div class=\"co-card--desc text-component\"><p>Route 66 Extended Warranty coverage may help with certain unexpected mechanical repairs and includes no deductible on covered parts or labor.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"co-columns--cta text-component\"><p><a href=\"https:\/\/www.heritagesouth.org\/frequently-asked-questions-faqs\/contact-us\/\">Contact Us For Details<\/a><\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__multi-path-cta co-flex_row__faqs\" id=\"faqs\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-accords_section\" aria-label=\"Frequently Asked Questions\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Frequently Asked Questions<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\" data-display-accordion-open=\"false\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2948\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tWhat loan terms are available?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2949\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tHow much can I finance?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Qualified borrowers may finance up to 100% of the vehicle\u2019s sticker price or NADA retail value, plus applicable taxes and tags. Your approved amount may vary.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2950\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tHow is my interest rate determined?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2951\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tCan I refinance an auto loan from another lender?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2952\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tCan I apply before choosing a vehicle?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Contact one of our team members to ask about prearranged financing and what information you will need before shopping.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2953\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tAre there fees?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>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.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2954\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\tHow do I apply?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>You can complete a new or used auto loan application online. Help is also available by calling Heritage South or visiting a branch.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"co-accordion--cta\"><p>Not finding what you&#8217;re looking for? <a href=\"https:\/\/www.heritagesouth.org\/frequently-asked-questions-faqs\/\">See all FAQs<\/a><\/p>\n<\/div>\t<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__back-to-top co-flex_row__multi-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tReady to get moving?\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/onboard.cotribute.co\/flows\/e2a7d2bb-f837-4410-9a83-d0f376c92a2e\"  >Apply for an Auto Loan<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tVisit a Branch\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/locations-atms\/\"  >Find Us Nearby<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tTalk With Our Team\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/frequently-asked-questions-faqs\/contact-us\/\"  >Contact Us<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\"><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\n\t<a class=\"co-back_top--link\" href=\"#\">\n\tBack to Top\t<img loading=\"lazy\" decoding=\"async\" class=\"co-back_top--link_icon\" src=\"https:\/\/www.heritagesouth.org\/wp-content\/themes\/heritagesouth-theme\/images\/back-to-top-arrow.svg\" width=\"33\" height=\"33\" alt=\"\" aria-hidden=\"true\">\n\t<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re buying new, shopping used, or refinancing your current vehicle, we offer flexible financing options to help you get where you need to go. Choose financing for a new or pre-owned car or truck that fits your needs and budget. Financing options available for older-model vehicles. Qualified borrowers may finance up to 100% of the vehicle\u2019s sticker price or &hellip; <a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/auto-vehicle-loans\/auto\/\">Continue reading <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":10,"featured_media":0,"parent":2653,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2654","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Auto Loans - Heritage South Community Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-para-vehiculos\/auto\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto Loans - Heritage South Community Credit Union\" \/>\n<meta property=\"og:description\" content=\"Whether you&#039;re buying new, shopping used, or refinancing your current vehicle, we offer flexible financing options to help you get where you need to go. 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