Auto Loans
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 | |
|---|---|---|---|---|---|---|
| 2023 - 2025 | as low as | 5.75% apr* | 5.75% apr* | 5.75% apr* | 7.24% apr* | 8.74% apr* |
| 2020 - 2022 | as low as | 6.49% apr* | 7.24% apr* | 7.24% apr* | 7.99% apr* | 9.49% apr* |
| 2017 - 2019 | as low as | 6.99% apr* | 7.74% apr* | 7.74% apr* | 8.99% apr* | 10.49% apr* |
| 2014 - 2016 | as low as | 7.49% apr* | 8.24% apr* | 8.24% apr* | 9.99% apr* | 11.49% 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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