car driving down the road

Buy or Refinance a Car

We provide fast, easy and affordable auto loans

Rates as low as




Get Pre-Qualified

What type of loan do you need?

Auto Loans as low as 4.59% APR

Low Rates and Expert Service

Our Auto Loans come standard with low rates, personalized service and more. If you're thinking about buying a car or refinancing your current one, this is the place to start.

Benefits of UHCU Auto Loans:

  • Rates as low as 4.99% APR
  • Personalized service
  • Quick, convenient and safe loan closings - Close from home using DocuSign
  • Assistance navigating the buying process
  • Ask about no payments for 90 days!

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

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
Protect Your Investment

Get the Coverage You Need at a Low Cost

Vehicle Service Contract

A Vehicle Service Contract (VSC) allows you to choose your coverage level, contract length and deductible for protection against many major mechanical breakdowns. Plans feature 24/7 roadside assistance, vehicle rental and trip interruption reimbursement.

Guaranteed Asset Protection

UHCU offers affordable Guaranteed Asset Protection (GAP) for all auto loan types. GAP can cover the difference between the amount you owe on your loan and the insurance payout in the event that your car is totaled, lost or stolen. 

Complete Vehicle Protection

Complete Vehicle Protection (CVP) provides greater coverage for your investment including tire, wheel and rim protection, paintless dent repair and windshield protection options.1

Investment Protection Options

Members have saved thousands electing additional coverage such as Complete Vehicle Protection (CVP), 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.

Act now to lock in a rate as low as 4.99 % Apply Now

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.

1Tire, Wheel & Rim Protection does not cover the repair of cosmetic damage for tire, wheels, and/or rims. Additional exclusions may apply.
2Coverage only offered in conjunction with a new loan. Not all vehicles are eligible for coverage. Coverage exclusions may apply.