Auto Loans
Effortless Auto Loans
As Low As 4.75% APR*
Hit the road with 90 days no
payments for up to 60 months.
Limited time offer.
Our Auto Rates Love to Beat the Competition
Auto Loans That Put Banking in Cruise Control
Buying a new or used car is exciting. Heritage Valley makes sure finding your perfect car never gets stalled by complicated financing.
- Buy brand new
- Purchase a pre-owned model 10 years old or newer
- Refinance your current auto loan for a lower rate
- Same low rate for both purchase and refinance
Don’t have a specific vehicle in mind? Our simple pre-approval process helps you understand how much you can afford, making it easier for you to find a vehicle that fits your lifestyle.
Auto Loan Rates
| Model Year | Up to 48 Months | 49 to 60 Months | 61 to 72 Months | 73 to 84 Months | 85 to 96 Months | |
|---|---|---|---|---|---|---|
| 2024 - 2025 | as low as | 4.75% apr* | 4.75% apr* | 5.60% apr* | 6.10% apr* | 8.60% apr* |
| 2021 - 2023 | as low as | 6.10% apr* | 6.10% apr* | 6.35% apr* | 6.60% apr* | 9.35% apr* |
| 2018 - 2020 | as low as | 6.10% apr* | 6.10% apr* | 6.60% apr* | 6.85% apr* | 10.35% apr* |
| 2015 - 2017 | as low as | 6.85% apr* | 6.85% apr* | 7.35% apr* | 7.60% apr* | 11.35% apr* |
*APR = Annual Percentage Rate
+2.00% to vehicle rates for recreational vehicles such as RV, RTV, ATV, Off-Road MC, Watercraft, Snowmobiles & Lawn Tractors
Optional Services from Heritage Valley FCU
First Time Car Buyer
Designed for those with little to no credit, and who have never financed a car.
- Buy what you want, up to $15,000
- Establish credit for yourself
- Low rates
- Manageable payments
- No co-signer is needed when you have more than 1 year at your job
- Financing cars less than 7 years old
- 10% down is required
Motorcycle Loans
No matter what type of bike you’re looking to buy, Heritage Valley makes it easy to get the financing you need. Buy new, or a pre-owned model year 10 years old or newer.
RV Loans
Whether you’re looking for a camper, trailer, or watercraft, Heritage Valley can help with financing.
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