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auto loans; austin auto loans; auto loan; auto loans austin

Auto Loans

(50 reviews)

Want to go to Austin City Limits Music Festival in style this year? Apply for a UHCU Auto Loan from now until August 31 and you'll automatically be entered to win two VIP passes to the 2017 ACL Music Festival. Learn more about the Pick UHCU for an Auto Loan promotion here.

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-approval 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.

 Get Started

Get Pre-Approved:

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.

 Get Started

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. 

 Get Started

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. 

 Get Started

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.

Promotion is in no way sponsored, endorsed or administered by, or associated with Austin City Limits (ACL) Music Festival. Entrant understands that information submitted is provided to UHCU and not to ACL.
Membership in United Heritage Credit Union is not required for entry, but is required for a funded loan. Entrants must be at least 18 years old to enter/win as of promotion start date. No purchase necessary to enter this promotion. Purchase will not improve chances of winning. Participants will receive one (1) entry for completing and submitting an auto loan application for a loan larger than $10,000. Check Rules and Privacy Agreement for other ways to enter.
Certain loan 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. 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.

Pick UHCU Rules and Privacy Agreement

August 15, 2017

Title: Awesome experience!
Name: Kenneth N.
Review: A big big thank you to both Belenda and Carolyn for making my loan process such an effortless and informative experience! Their courtesy, knowledge, and professionalism are to be commended and is the main reason why I always recommend UHCU to not only my friends and family but everyone I meet as well. Thank you both for the awesome customer service and also providing me with all the information I needed to make the best decisions concerning my new car loan and financial well being.

July 5, 2017

Title: Great Service: Still Going Strong
Name: Ursula
Review: Kassi Hall, Ashley Scarborough, & Angela Watson are a fabulous team. No matter how many questions including " what if questions" I asked, they were patient, thorough, and pleasant. We've been a member of UHC over 25 yrs and the service has never diminished throughout the changes. It's awesome being a member.

June 28, 2017

Title: Awesome Customer Service
Name: James B.
Review: My wife and I have worked with Monica Hernandez for many years now in securing car loans, and paying off loans, and she CONSISTENTLY comes through with superior service and competitive rates. We plan to be lifelong customers!

May 22, 2017

Title: Auto Loan
Name: Sheila E.
Review: Christine Kilcrease and Carolyn Gathright assisted me with my auto loan. This was my first experience with a loan from the credit union, and I couldn't have been MORE pleased. These ladies were wonderful and answered all of my MANY questions. I would use UHCU for my future loans. Love you!

April 13, 2017

Title: Pleasant Experience
Name: Peter
Review: Belenda made what is usually a a stressful hassle a pleasant experience. All done over the phone and email...auto loan was secured in a day.

April 3, 2017

Title: A team that I can trust and would trust again!
Name: Trey S.
Review: When I was choosing a lender for my last auto loan I asked UHCU to help me understand what makes them different from other options in Austin. Christine and team were incredibly easy to work with. The application process was fairly automated and simple, the approval came overnight, and their follow-up with both me and the seller was incredible. I will definitely work with UHCU again in the future.

February 27, 2017

Title: Auto Loan
Name: Kendall S.
Review: I worked with Belenda. She was tremendous! She was very thorough, timely and knowledgeable. She covered everything about the loan, additional services, etc. with great professionalism. There wasn't a question I asked that she couldn't answer. Made this process a breeze!

February 22, 2017

Title: Auto Loans
Name: Jim Shaw
Review: We recently refinanced two cars with UHCU and worked with Alyssa. One of the other lenders was very difficult to work with but Alyssa and all the UHCU staff were absolutely wonderful to work with. Alyssa truly went the extra mile to get this done and always with a smile! I wouldn't go anywhere else!

February 10, 2017

Title: Auto loan
Name: Jason K.
Review: I spoke with Belenda d she was awesome she stayed late and made sure the draft was sent for my purchase so when I arrived to the dealership I just signed and left....kept in close contact with me thru the entire process and matched a rate and I got as low as 2.49% for 84 months WAC wonderful experience.....

January 17, 2017

Title: New Car loan
Name: John F
Review: Christine did a great job getting me pre-approved for my auto loan. It was simple and straight forward.

January 9, 2017

Title: New Auto Loan
Name: Samy B.
Review: I loved the experience I had with UHCU Loan department. I would do it again in a heart beat. The warranty prices were competitive so did the loan rates.

December 28, 2016

Title: New Car Loan
Name: Anthony
Review: Ashley was delight to work with. I have several loans with UHCU and when I purchased a new car out of state, the transaction was made easy once I brought in UHCU. I would recommend Ashley and UHCU to all family and friends back in Texas

December 22, 2016

Title: New Car Loan
Name: Stephen
Review: Kassi does an OUTSTANDING job, always going above and beyond the call of duty. This is the 7th vehicle loan we've obtained from UHCU and are loyal members for life! Thanks for a wonderful, fast, and easy auto loan experience, Kassi and UHCU Team!!

December 14, 2016

Title: Auto Loan
Name: Chrisitne
Review: I have never had a more pleasant experience applying for a loan as I have had with UHCU. I owe this awesome experience to Christine. I was treated like a life long member and she made the process so painless.

December 14, 2016

Title: Auto Refinancing
Name: George
Review: Christine & Carolyn made the whole experience fast and easy. Offered me several packages and helped me suit the best plan for me, thank you both!

December 8, 2016

Title: Smooth Process!
Name: Eric
Review: Called to transfer high rate auto loan. Could not be happier with service from Alyssa T! Seamless and quick, friendly service!

December 6, 2016

Title: Auto refinance & Personnal loan
Name: Cristina H
Review: Christine made the loan experience very easy and quick. Thank you for your excellent customer service.

December 4, 2016

Title: Auto loan
Name: Kimberly
Review: I worked with Belenda on a new auto loan. This purchase was done entirely digitally and Belenda worked with the seller to ensure I took delivery as soon as possible. What was really special was that she shared in my excitement of the new vehicle. I will absolutely send my family and friends her way. Thank you Belenda!

December 1, 2016

Title: Auto Loan Servicing
Name: Julia P.
Review: Monica is always very prompt to respond to my questions and offer quick help and resolution. Thank you for your excellent customer service!

December 1, 2016

Title: Auto Loan
Name: Juan F.
Review: I LOVE working with United Heritage Credit Union. So friendly and willing to help! Ashley S. was OUTSTANDING and help me throughout the auto loan process! I HIGHLY RECOMMEND everyone to reach out to UHCU!!!!

November 28, 2016

Title: Auto Loans
Name: Paul P.
Review: Christine.......thanks again for all your help and guidance while processing the loan request. The steps where so user friendly. Thanks again for your help.

November 17, 2016

Title: Auto Loan
Name: Aileen
Review: Belenda was awesome. She was fast, efficient, informative, knowledgeable, and professional throughout my negotiations with dealership. All my auto loans have been through United; I'm so glad I am a loyal customer with over 15 years of banking with UHCU. Thank you Belenda for a job well done.

November 17, 2016

Title: Belenda
Name: Tiffany
Review: Belenda was great to work with! Very informative and has great customer service etiquette. Thanks Belenda!!

November 17, 2016

Title: Belinda
Name: Ray
Review: Belinda is the best person I have dealt with in business, I have several car loans with Belinda . It was always a easy process . Belinda is smart , knowledgeable, and efficient in her work. I will stay a member because of Belinda and even though I might get a lower interest rate through the dealers , I'll still stay with uhcu....

November 16, 2016

Title: Awesome credit union
Name: Ginger S.
Review: We have had several car loans from UHCU. I don't want to go anywhere else. Ashley worked to get us an amazing interest rate, she is the best!

November 7, 2016

Title: Quick and Easy
Name: Charlys
Review: Christine made the process super easy! The documents were ready to sign promptly and the customer service we received was top notch

November 4, 2016

Title: So easy!!
Name: Kayla
Review: UHCU and Christine made everything so easy! There was no stress involved and Christine is so on top of what she does.

October 27, 2016

Title: Great customer service!
Name: David H
Review: Christine was amazing! Made the process easy and quick and received the interest I wanted!

October 27, 2016

Title: Couldn't be easier...
Name: Jenny
Review: Was recommended to speak with Dan by our insurance provider. So glad that we did! Not only did they beat the dealership's percentage rate, it was just so easy to complete the process. So good!

October 25, 2016

Title: Auto Loan
Name: Michael
Review: I've refinanced 2 cars through UHCU and received awesome service. Ashley S. was my loan advisor this go-around and she made everything excellent.

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
Name: Ajan
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)
Name: Joseph
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)
Name: Joseph
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

Title: Amazing
Name: K524
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
Name: pennypoo
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
Name: Mehmber
Review: Fairly meh. United Heritage is SuperMeh, UberMeh, sorta meh-ish.

January 27, 2015

Title: Car Loan
Name: atexas
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!!!
Name: Reg0007
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
Name: Cricket
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!
Name: HappyMember
Review: Love my new car and how fast and easy it was to close the loan without going to a branch. Thanks United Heritage!

Auto Calculators

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

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