We offer auto loan rates as low as 2.89 % APR* Apply Now
photo car driving road photo car driving road

Auto Loans

Looking for a new or used car loan, or want to refinance your existing loan for lower payments? UHCU auto loans have competitive rates and flexible repayment options.

photo recreational vehicle photo recreational vehicle

Motorcycle, RV & Boat Loans

If you need a motorcycle loan, recreational vehicle (RV) loan or boat loan, a UHCU loan specialist can help you secure a great, low rate.

We make the loan.  You take the wheel. 

When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. Whether you're purchaseing a new or used car or refinancing a loan from another lender, we will work with you every step of the way.  

  • Competitive low rates
  • Personalized service
  • Quick and convenient loan closings
  • Assistance navigating the process
  • Ask about no payments for 90 days!
Talk to a Loan Specialist
Cancel
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!!!

Reg0007
Westlake
Share Your Experience
Refinanced car loan

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!

Cricket
Tyler
Share Your Experience
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!

HappyMember
North Austin
Share Your Experience
Great Experience

Made Easy

Deborah C.
Cedar Park
Share Your Experience
I am a person not a number.

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.

David Mc
North Austin
Share Your Experience
Excellent Personalized Service

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.

Marisol S.
North Austin
Share Your Experience
UHCU and the staff is Amazing

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!

Mellissa G.
North Austin
Share Your Experience
Consistency In Excellence (pt 1)

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.

Joseph
Round Rock
Share Your Experience
Consistency In Excellence (pt 2)

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.

Joseph
Round Rock
Share Your Experience
Excellent Service

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.

Ajan
North Austin
Share Your Experience
Auto Loan

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!

Chea H.
Cedar Park
Share Your Experience
Auto refinance

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.

Alfonso T.
Round Rock
Share Your Experience
Great Customer Service

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.

Rudy G
North Austin
Share Your Experience
Great Customer Service/AutoLoan

Great rates on auto loans, great customer service. Very friendly staff, overall a wonderful experience.

Edwin B.
North Austin
Share Your Experience
Repeat Customer

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!

Jon G.
Westlake
Share Your Experience
Great customer service/repeat customer

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!

German G.
North Austin
Share Your Experience
Auto Loan

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.

Michael
North Austin
Share Your Experience
Couldn't be easier...

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!

Jenny
Cedar Park
Share Your Experience
Great customer service!

Christine was amazing! Made the process easy and quick and received the interest I wanted!

David H
North Austin
Share Your Experience
So easy!!

UHCU and Christine made everything so easy! There was no stress involved and Christine is so on top of what she does.

Kayla
North Austin
Share Your Experience
Quick and Easy

Christine made the process super easy! The documents were ready to sign promptly and the customer service we received was top notch

Charlys
North Austin
Share Your Experience
Awesome credit union

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!

Ginger S.
Westlake
Share Your Experience
Belinda

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....

Ray
Georgetown
Share Your Experience
Belenda

Belenda was great to work with! Very informative and has great customer service etiquette. Thanks Belenda!!

Tiffany
North Austin
Share Your Experience
Auto Loan

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.

Aileen
North Austin
Share Your Experience
Auto Loans

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.

Paul P.
Georgetown
Share Your Experience
Auto Loan

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!!!!

Juan F.
Round Rock
Share Your Experience
Auto Loan Servicing

Monica is always very prompt to respond to my questions and offer quick help and resolution. Thank you for your excellent customer service!

Julia P.
North Austin
Share Your Experience
Auto loan

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!

Kimberly
North Austin
Share Your Experience
Auto refinance & Personnal loan

Christine made the loan experience very easy and quick. Thank you for your excellent customer service.

Cristina H
North Austin
Share Your Experience
Smooth Process!

Called to transfer high rate auto loan. Could not be happier with service from Alyssa T! Seamless and quick, friendly service!

Eric
North Austin
Share Your Experience
Auto Refinancing

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!

George
North Austin
Share Your Experience
Auto Loan

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.

Chrisitne
North Austin
Share Your Experience
New Car Loan

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!!

Stephen
Southeast Austin
Share Your Experience
New Car Loan

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

Anthony
North Austin
Share Your Experience
New Auto Loan

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.

Samy B.
Round Rock
Share Your Experience
New Car loan

Christine did a great job getting me pre-approved for my auto loan. It was simple and straight forward.

John F
North Austin
Share Your Experience
Auto loan

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.....

Jason K.
North Austin
Share Your Experience
Auto Loans

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!

Jim Shaw
North Austin
Share Your Experience
Auto Loan

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!

Kendall S.
North Austin
Share Your Experience
A team that I can trust and would trust again!

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.

Trey S.
North Austin
Share Your Experience
Pleasant Experience

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.

Peter
North Austin
Share Your Experience
Auto Loan

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!

Sheila E.
Westlake
Share Your Experience
Awesome Customer Service

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!

James B.
Lakeway
Share Your Experience
Great Service: Still Going Strong

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.

Ursula
North Austin
Share Your Experience
Awesome experience!

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.

Kenneth N.
Round Rock
Share Your Experience
Auto Loan

I recently refinanced 3 cars with Dan at United Heritage and he did it all on line in just 2 days and my payments are crazy cheaper. Seriously.

Kelly
North Austin
Share Your Experience
Great Service!

Selena helped us buy a truck...made everything easy!

Pete/Jean Solana
North Austin
Share Your Experience
Dan Duprey is the best

Dan got me a better deal than the credit union I had been doing business with in the past, I have already recommended him to sever friends and he has been able to help them too!

Paul Berube
Cedar Park
Share Your Experience
Amazing Experience

My husband and I have been banking with UHCU for several years now and have all of our vehicles financed through UHCU. Kristi Simo once again made the experience of purchasing a new vehicle pleasant and hassle free. She is very knowledgeable and has always offered sound advice. Jake Larson was very pleasant to deal with also on the documentation and closing. Kristie and Jake worked diligently to get us to where we wanted to be on this last loan. UHCU has always beat out the finance rates of the dealerships we have dealt with and we have always had a pleasant experience through UHCU. Thank you UHCU for keeping us happy!

Marisol
North Austin
Share Your Experience
Since 2014

I have been working with Kassi to meet my lending needs since 2014. She is professional and courteous. I will seek her out to work with her again in the future. Kassi is an asset to your organization.

Robert R.
North Austin
Share Your Experience
So easy

Megan was awesome! Thank you for making it so easy. I appreciate your efforts.

Mark R.
North Austin
Share Your Experience
Excellent customer service

Selena Ochoa has been excellent to work with! Excellent customer service! Overall she has provided such a great overall experience...there is no other individual I would work with.

Sonia C.
North Austin
Share Your Experience
Five loans

Kassi has done five loans for me and does a great job. That is why I keep returning.

John E.
North Austin
Share Your Experience
Auto loan

Amazing! Megan Johnson was incredible!

Kristiana Karlin
North Austin
Share Your Experience
Auto loan

Awesome

REGENNA RANDLE
North Austin
Share Your Experience

The loan process is fast and easy.

When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. 


Membership/Regular Savings account required. 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. *APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected.