Auto Loans Rates that
Work for You
Get behind the wheel of your favorite car with our competitive rates and flexible terms. Apply now and get pre-approved in minutes!
Used Auto Loans that Help You into the Car That's Right For You
Buying a used car should be simple and hassle-free. Heritage Valley Federal Credit Union helps by getting you the Used Auto Loan financing you need.
Used cars are a great choice to purchase because:
- More car for your money
- Less depreciation
- Lower insurance premiums
- Longer vehicle lifespans
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.
Rates So Low, You'll Be Singing in Your New Car
| 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 | 4.90% apr* | 4.90% apr* | 5.75% apr* | 6.25% apr* | 8.75% apr* |
| 2021 - 2023 | as low as | 6.25% apr* | 6.25% apr* | 6.50% apr* | 6.75% apr* | 9.50% apr* |
| 2018 - 2020 | as low as | 6.25% apr* | 6.25% apr* | 6.75% apr* | 7.00% apr* | 10.50% apr* |
| 2015 - 2017 | as low as | 7.00% apr* | 7.00% apr* | 7.50% apr* | 7.75% apr* | 11.50% 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
First-Time Car Buyer Used Auto Loans
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
Credit Union Used Auto Loan Rates
As a federally insured credit union, Heritage Valley FCU operates a bit differently than your typical big bank. We are a cooperative financial institution, organized around the principles of serving our membership.
This means that we can typically offer lower interest than rates than big lenders. And we offer special programs designed to help our members meet their broad financial goals.
Many members join by getting a great rate on their used auto loan. See what we can do for you today.
Which Credit Score is Used for Auto Loans?
Typically your FICO credit score is used to determine your eligibility for an auto loan and the interest rate you will be offered. Your FICO score is a three-digit number that ranges from 300 to 850 and is based on the information in your credit report. The higher your score, the better your creditworthiness is considered to be, and the lower the interest rate you may be offered.
Credit reports from all the major credit bureaus including Experian, Equifax and TransUnion may be considered. Come in for a conversation with our team to see what kind of rate you may qualify for.
