Auto Loans
Refinance an Existing Auto Loan
Would you like to lower your monthly payment?
If you're looking to lower your auto loan payments, reduce your rate or shorten your term, UHCU may be able to help. To get started refinancing a loan from another lender, click the button below!
We offer auto loan rates as low as 1.79
%
APR*
Apply Now
Why Refinance Your Auto Loan from Another Lender?
Refinancing your auto loan could lead to some big savings.
Refinance and Save
Our Auto Loans come standard with low rates, personalized service and more. If you're thinking about refinancing your auto loan from another lender, this is the place to start.
Benefits of UHCU Auto Loans:
- Rates as low as 1.79% APR
- Personalized service
- Quick, convenient and safe loan closings - Close from home using DocuSign
- Assistance navigating the refinance process
- Ask about no payments for 90 days!
Auto Loan Insights & Advice
Although winter temperatures in Texas are generally mild in comparison to northern areas of the country, we’ve been known to have a few cold snaps that could leave some drivers unprepared. Cooler weather will be here before we know it and it’s better to know that your car is ready for the change in temperature before you’re stuck dealing with it on a cold miserable, icy day. Here are five things you should consider doing before the weather changes.
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The loan process can seem a little mysterious to potential borrowers; you research loan rates, study different lenders and their loan principles, send in an application and wait for approval. But, what happens behind the scenes once you send in the application? How does a lender decide who gets a loan or who doesn’t? How are interest rate offers determined? Before you set off to buy that new car or refinance an existing loan, here are some things about the loan process that might be helpful.
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We’ve mentioned before how getting pre-qualified for an auto loan can increase your buying power, but what does that mean exactly? We’ll outline how doing some planning before you shop can make a big difference when it comes to getting the best rates and payment plans no matter what type of loan you may need.
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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!
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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 between leasing or buying, we’ve pulled together some things to know before you head over to the dealership to be entranced by that new car smell.
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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!
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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.
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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.
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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.
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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.
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Are you a first-time car buyer? Before heading to the dealership, check out these steps on how to best buy a car.
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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.
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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.
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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