Skip to Content
We offer auto loan rates as low as 1.79 % APR* Apply Now
photo couple shaking hands

The loan process is fast and easy.

Whether you're ready to get a new car or a "new to me" car, we are ready to help you get the money you need at a monthly payment that works for your budget. We are old pros at car loans - you can count on us to make the loan application process quick and painless.

Search for a Car

We want your car buying experience to be as simple as possible, which is why we give you the option to shop for your next car right from home. Our Car Search Tool gives you the opportunity to instantly search for cars instead of spending time visiting multiple dealerships. Give it a try today!

Available Search Features:
  • Make & Model
  • Vehicle Type (i.e. sedan, SUV or truck)
  • Price Range
  • Color
  • Year Range
  • Max Mileage
  • Location
  • And more!
photo car dealership lot

Get Yourself Organized

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.

Crossing things off lists is our favorite. Go ahead, give it a try.

To Do
Monthly Payment Car Affordability
Monthly Payments $--
Total Cost of Loan $--
You Could Borrow $--

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 Calculators

Use the calculators to help you estimate your monthly payments or determine how much car you can afford.

Auto Loan Insights & Advice

8 Best Tips for Holiday Road Trips
8 Best Tips for Holiday Road Trips

Road trips - the quintessential American mode of travel that highlights the joys of the holidays like no other activity. It's a tradition, much like listening to your Uncle’s high school football highlights, which can set your teeth on edge. If you are lucky though, you'll have your aunt’s pecan pie to look forward to and make the whole trip worth it. Here are some tips to get you safely to into your relatives’ warm and cozy kitchen.

Read More
5 Tips for Buying a New Car
5 Tips for Buying a New Car

Whether you're buying a new vehicle or a pre-owned vehicle that’s new-to-you, the experience should feel rewarding. Unfortunately, many people find buying a new car to be stressful. Don't let the negotiation process and fine print prevent you from enjoying your new set of wheels! Consider these tips the next time you're car shopping.

Read More
7 Steps for First-Time Car Buyers
7 Steps for First-Time Car Buyers

Are you a first-time car buyer? Before heading to the dealership, check out these steps on how to best buy a car.

Read More
5 Ways for Austin Drivers to Minimize Auto Expenses
5 Ways for Austin Drivers to Minimize Auto Expenses

Although sitting in traffic can take a toll on the health of your vehicle, following a few simple guidelines can help ensure you're not spending a fortune on your car.

Read More
How Much Car Can You Afford?
How Much Car Can You Afford?

January is typically a slower car-buying month, which opens up the opportunity for potential savings. While acting fast can benefit you financially, it's still important to consider all of your options. By doing so, you can likely avoid some common car-buying pitfalls.

Read More

Have Questions?

We're here to help.

To speak to a UHCU loan specialist, give us a call at 512.435.4444.
Loan Sales - Submit an Application or Check the Status of an Application:
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 Am - 3:00 PM

Loan Service: Questions on Existing Loans:
Monday-Friday: 8:00 AM - 5:00 PM

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. 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.