Auto Loans
Effortless Auto Loans As Low As
3.99
%
APR*
Hit the road with 90 days no payments for up to 60 months. Limited time offer. *Current HV auto loans excluded from promotion.
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 | |
|---|---|---|---|---|---|---|
| 2025 - 2026 | as low as | 3.99% apr* | 3.99% apr* | 5.60% apr* | 6.10% apr* | 8.60% apr* |
| 2024 | as low as | 3.99% apr* | 3.99% apr* | 6.35% apr* | 6.60% apr* | 9.35% apr* |
| 2022 - 2023 | as low as | 6.10% apr* | 6.10% apr* | 6.35% apr* | 6.60% apr* | 9.35% apr* |
| 2019 - 2021 | as low as | 6.10% apr* | 6.10% apr* | 6.60% apr* | 6.85% apr* | 10.35% apr* |
| 2016 - 2018 | 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
Let's Get You on The Road
Designed for first-time car buyers 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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