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-approval to signing your name on the dotted line. Our members enjoy:
No payment for 90 days
Competitive, low rates
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.
Once you’ve made the decision to purchase your next vehicle, get pre-approved before heading to the dealership. By working with your auto loan specialist and getting pre-approved, you have greater bargaining power and more freedom in your purchasing decisions.
Be pre-approved for your auto loan today.
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.
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 Imcovered.com, 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 Imcovered.com to verify your insurance today.
October 21, 2016
Title: Great customer service/repeat customer
Name: German G.
Review: I've purchases 3 auto loans with UHCU and all have been a very pleasant experience. They have the best rates and skilled people to make your loan experience very easy, pleasant and seamless. Thank you Belenda B. You are the best. Will definitely be back on the next one! Cheers!
October 20, 2016
Title: Repeat Customer
Name: Jon G.
Review: I have processed 4 auto loans and 1 mortgage with UHCU over the past six years. They provide the most competitive rates along with excellent service, speed of delivery and attention to detail. The best part is that all my experiences were done online and by phone at my convenience. Thank you UHCU. You're the best!
October 19, 2016
Title: Great Customer Service/AutoLoan
Name: Edwin B.
Review: Great rates on auto loans, great customer service. Very friendly staff, overall a wonderful experience.
October 18, 2016
Title: Great Customer Service
Name: Rudy G
Review: Buying a car has never been something I enjoy doing. However, when it comes to the financing, Ashley and United Heritage make the process so customer friendly. They are honest, prompt, and I have no doubt my best interest in mind. I would highly recommend Ashley and United Heritage.
October 18, 2016
Title: Auto refinance
Name: Alfonso T.
Review: I saw the name United Heritage on a billboard and decided to try them out. Best financial decision I made this year. Customer service is outstanding, I received an e-mail from my consumer loan sales specialist Ashley and I noticed something right away. She is a professional that cares for the customer. I am looking forward to continue and recommend UHCU in the future. Thank you Ashley.
October 13, 2016
Title: Auto Loan
Name: Chea H.
Review: Christine is the broker we worked with and I can not express how wonderful the experience was. Purchasing a car is so stressful but Christine made is very painless and explained every detail there was to know. Thank you!
September 22, 2016
Title: Excellent Service
Review: My loan procedure took me just hours. It was super quick and easy. Everything was done electronically. Ashley S was amazing and very patient answering all of our questions.
August 17, 2016
Title: Consistency In Excellence (pt 2)
Review: I made the eye opening decision to shop around and applied with another credit union and boy, was that a waste of time and a bad decision on my part. My wife and I were not happy at all with RBFCU and nothing felt right, the interactions were frustrating and we were treated like just another number. We happily came running back to United Heritage who was ready to pick up right where we left off. We’re here to stay! Thanks for all that you and your staff do CONSISTENTLY! Blessings.
August 17, 2016
Title: Consistency In Excellence (pt 1)
Review: My first loan experience with UHCU was absolutely amazing, stress-free and everyone I worked with was pleasant. It was a streamlined process from beginning to end. I’ve come to find out here in my second go around that this was no fluke! I tried reaching out to the same representative who assisted me last time, but she was on another call, so I decided to work with the next person available… I was always treated with respect and care, being transferred once or twice, everyone seems to be on the same page, and the loan dept. just seems to breed excellence in customer satisfaction. I feel like family and through these experiences, I just grow more loyal and trusting with UHCU. We know we’re in good hands.
July 13, 2016
Title: UHCU and the staff is Amazing
Name: Mellissa G.
Review: My auto loans procedure is simple and fast. I trust and recommend UHCU. I am so blessed to directly contact them and doing my auto financing with them. No hidden cost. Basically they are Not A Crook as my experience with the auto dealership. Angela S. is Amazing! Thk u so much for yr kind assistance!
June 29, 2016
Title: Excellent Personalized Service
Name: Marisol S.
Review: We have worked with UHCU for several loans and they are always knowledgeable and attentive. They have always provided us with excellent service and offer great rates. I am looking forward to working with Kristie and her group again for any future loans we may need.
June 5, 2016
Title: I am a person not a number.
Name: David Mc
Review: I have had 6 auto loans with UHCU since 2006 and on each one I have always been treated as a person not a number. The customer service is by far the best I have seen and I will never use another lender.
May 18, 2016
Title: Great Experience
Name: Deborah C.
Review: Made Easy
June 10, 2015
Review: Great rates! Always friendly staff and fast! They are always on top of their game and ready to assist!
April 29, 2015
Title: Great rates, but
Review: Was pre-approved for an auto loan, but when the dealer sent in the buyers invoice I was told the car was too old. Perhaps you can put in 2008 and newer on your web site. I have two other UHCU auto loans and am very pleased with how they went down.
March 3, 2015
Title: They're ok
Review: Fairly meh. United Heritage is SuperMeh, UberMeh, sorta meh-ish.
January 27, 2015
Title: Car Loan
Review: Very easy process with the cheapest rates in the market. UHCU's team delivered my loan at they terms they promised without any hiccups. Truly the best service of any lender I have dealt with.
December 20, 2014
Title: UHCU is the best!!!
Review: UHCU is the best, after negotiating my interest rate with the dealership, UHCU vowed not to be beat and gave me a rate that the dealership could not beat. Thanks UHCU!!!
September 28, 2014
Title: Refinanced car loan
Review: UHCU on-line loan application and loan process was quick, easy, and so organized. This is my fourth vehicle that I have financed with UHCU. I have always been pleased with the excellent service that I have received. I used the on-line service because of my work hours, but every time I do visit the local branch in Tyler, TX, the quality and great customer service can be found there as well. I would and do recommend UHCU to any and everyone!
September 5, 2014
Title: Fast and Easy!
Review: Love my new car and how fast and easy it was to close the loan without going to a branch. Thanks United Heritage!
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. 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.