Auto Loans
New or Used Car Financing
Apply Now
We offer auto loan rates as low as 1.79
%
APR*
Apply Now
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!
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.
Monthly Payment
Car Affordability
Monthly Payments
$--
Total Cost of Loan
$--
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
There’s no better way to honor the birth of our first president, George Washington, than to spend a few pieces of paper adorned with his image. And the best place to get the biggest bang for that buck is at a car dealership during the Presidents Day holiday!
Read More
If you’ve been shopping for a new car or truck, it’s very likely that you’ve seen some great pricing on auto advertisements. Most feel as if they are geared towards buyers with great credit and are often targeted to those who are interested in leasing, not buying. If you are trying to decide to consider leasing instead of buying, we’ve pulled together some things to know before you head over to the dealership to be entranced by that new car smell.
Read More
One of the most exciting parts of shopping for a new car is the seemingly endless options available. You’ve got heated seats, cooled steering wheels and third row options galore, but you also have the option to choose your lender. Financing options are abundant and available through credit unions, banks and even the dealerships themselves, but your best bet is United Heritage Credit Union! Sure, our auto loans offer some of the lowest rates around and we pride ourselves on offering loans that feature flexible terms, but perhaps the best thing about getting an auto loan through UHCU is the fact that you’ll receive our amazing service and a partner for your ongoing financial needs!
Read More
Buying a car is exciting and can be overwhelming with choices. Should you buy new or used? Should you get the car from a dealership or via a third party? Should you lease or buy? Do you get those upgrades that you’ve been drooling over since you started car shopping? No matter your choice, UHCU has the right loan to help you drive that dream car home and to do so at a good price.
Read More
Car loans are more straight-forward than some might think; you find a car you like and can reasonably afford, you finance the car and drive it off the lot. Sometimes this can happen in the span of just a few hours of your time and your signature. But there are some aspects of the car buying process that are helpful to consider before you whisk away in a bright, shiny new ride. Getting the most from your auto loan is easy with a few steps.
Read More
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
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
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
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
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