• Real Estate Loans

    Mortgage Loans Flexible financing options for the home of your dreams.

    Home Equity Loans Access cash using the equity you’ve built in your home.

  • Vehicle Loans

    Auto Loans Let us take the stress out of the car buying process.

    Auto Refinance Enjoy lower interest rates and smaller payments when you refinance.

    Other Vehicle Loans Great rates on motorcycle, RV & boat loans.

  • Personal Loans

    Personal Loans Access to the money you need, when you need it.

    Line of Credit Have peace of mind you'll be able to handle fluctuations in your finances.

    CD Secured Loans Establish credit or borrow money without a co-signer.

  • Credit Cards

    Credit Cards Industry-leading cards with competitive rates and benefits.

    • Added Benefits


      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

      Apply Now
  • Investments

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insurance

    Term Life Insurance An affordable option to keep you covered.

    Accidental Death Up to $300,000 worth of coverage, no medical questions asked.

    Long-Term Care Be prepared for an unexpected illness or hospitalization.

    Auto Free, instant rate quotes from reputable carriers.

    • Added Benefits

      Looking for Financial Help? Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.

      Learn More
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Auto Loans

Buying or refinancing a car with United Heritage is quick and easy.

Find a UHCU Branch/ATM

  Find it

UHCU Auto Loans

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. 

Austin and Tyler Auto Loan Resource:

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:

  • 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

Refinance and Save:

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

Membership/Regular Savings account required.
United Heritage Lending Policies apply.

Low Rate Auto Loans

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:


Auto Loans is rated 4.5 out of 5 by 4.
Rated 5 out of 5 by from Fast and Easy! Love my new car and how fast and easy it was to close the loan without going to a branch. Thanks United Heritage!
Date published: 2014-09-05
Rated 5 out of 5 by from UHCU is the best!!! 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!!!
Date published: 2014-12-20
Rated 5 out of 5 by from Car Loan 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.
Date published: 2015-01-27
Rated 3 out of 5 by from They're ok Fairly meh. United Heritage is SuperMeh, UberMeh, sorta meh-ish.
Date published: 2015-03-03
  • 2015-04-01T11:30CST
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