More Memories. More Possibilities.
Fuel your next adventure with 1.5% cash back on qualifying auto loans.*
Get 1.5% Cash Back, up to $1,500*
When Financing with UHCU
For a limited time only, you can put money back in your pocket this summer when you finance a new or used vehicle with United Heritage, or refinance your auto loan from another lender! Earn up to $1,500 cash back, based on the loan amount. Vehicle loans must have a minimum balance of $10,000 to qualify. Easily apply online to pre-qualify or call us at 512.435.4444.
Add Investment Protection to Your Loan
Members have saved thousands electing additional coverage such as Omni Protect, Vehicle Service Contract (VSC) and Guaranteed Asset Protection (GAP)2 with United Heritage rather than with the dealership! These options are designed to help protect you against the burden of unexpected expenses including costly mechanical breakdown, road hazards, unplanned life events and more. Apply online today to get started or speak to a loan representative at 512.435.4444.
Car Buying Steps & Tips
Not sure what to expect when buying a car? We can help you every step of the way. The first step is to get organized. Here are the basics in order to feel prepared and take the stress out of the car buying experience dynamic.
Crossing things off lists is our favorite. Go ahead, give it a try.
To Do
Your monthly payment is based on the net purchase price of the vehicle, the loan term and the interest rate for the loan. Loan amount is based on the net purchase price of the vehicle (plus sales tax) or the vehicle price less any cash rebate, trade-in or down payment. If you have an outstanding balance on the vehicle you trade-in, that amount is added to the price of the vehicle you are purchasing.
The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
Auto Loan Calculator
Use our auto calculator to help you estimate your monthly payments or determine how much car you can afford.
*Cash back offer of 1.5% of the loan amount for eligible auto loan refinances, or 1.5% of the purchase price for eligible vehicle purchase loans, up to a maximum of $1,500. Minimum loan amount of $10,000.00required to qualify. Offer valid for auto loans refinanced from another financial institution and vehicle purchase loans. Existing United Heritage Credit Union auto loans are not eligible. Recreational vehicle loans,including watercraft, ATV, motorsport, and motorcycle loans are not eligible. Cash-back funds will be deposited into a UHCU share account at the time the loan is funded. Loan must remain open for 12 months. Ifthe loan is paid in full within the first twelve (12) months, a prorated portion of the cash-back incentive will be added to the loan payoff amount. The proration is calculated based on the number of full monthsremaining in the 12-month period at the time of payoff. Offer not valid with any other promotions or offers. Additional terms, conditions, and restrictions may apply. Offer subject to change without notice. Limitedtime offer valid through December 31, 2026. Monthly payments vary based on the interest rate the borrower is approved for and amount borrowed. FOR EXAMPLE: A 36-month new auto loan with a fixed rate as low as3.99% APR would have monthly payments of $29.52 per one thousand dollars borrowed. Membership Required. Federally Insured by NCUA.