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Woman in a car dealership

Auto Loans

(55 reviews)

Whether you’re thinking about buying a new or used car, or looking to refinance your current ride for a lower interest rate, United Heritage offers a variety of auto loan options with competitive rates and easy repayment options. With branches in Austin, in Tyler and throughout Central Texas, your loan specialist will help you find the auto loan that’s right for you. 

New and Used Auto Loans:

When you finance your vehicle with UHCU, you get the best of both worlds -- low auto loan rates and exceptional service. We want your car-buying experience to be as simple as possible, which is why our auto loan specialists will work with you every step of the way -- from pre-qualification to signing your name on the dotted line. Our members enjoy:

  • No payment for 90 days
  • Competitive, low rates
  • Personalized service
  • Quick and convenient loan closings -- sign documents electronically via DocuSign
  • Assistance navigating the buying or refinancing process

Let us take the stress out of the auto lending process. Apply now.

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Get Pre-Qualified:

Once you’ve made the decision to purchase your next vehicle, get pre-qualified before heading to the dealership. By working with your auto loan specialist and getting pre-qualified, you have greater bargaining power and more freedom in your purchasing decisions. 

Be pre-qualified for your auto loan today.

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Auto Loan Refinancing:

High monthly car payments can really put a strain on your financial situation. If you’re looking to lower your auto loan payments, reduce your rate or shorten your term, UHCU can help. Refinancing with UHCU means access to competitive rates, multiple term options and a helpful loan specialist who always goes the extra mile for you.

Find out what you can save by refinancing your current auto loan. 

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Proof of Insurance:

Your loan agreement with UHCU requires you to maintain and provide proof of acceptable insurance coverage on your vehicle for the term of the loan. You can easily provide proof of your coverage via, a secure website that allows you to check the status of your insurance, view documentation related to it and provide all information required by your loan contract.

Visit to verify your insurance today. 

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Auto Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful auto loan calculators:  All Auto Calculators

Protect Your Investment

We offer a variety of plans that keep your investment protected. Whether it’s Mechanical Breakdown Protection or Guaranteed Asset Protection (GAP), we can provide the added assurance you want.

For more information, call:


Membership/Regular Savings account required.
Certain restrictions apply.
APR = Annual Percentage Rate. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. Membership required. APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected. Various repayment terms available. Loan interest begins to accrue on open date of loan. Delaying first payment for 90 days increases amount of interest paid over term of loan.
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