Auto Loans

Great rates, flexible terms, and special benefits. Members Heritage auto loans will get you into a new auto with cash to spare.

Already a member?   Apply Here

New to Members Heritage?   Apply Here

Make your new car dreams a reality with our hassle-free new car loans.

PROMOTIONAL RATE – As low as 1.99% APR* for terms up to 59 months

  • 100% financing available.
  • Loan terms up to 84 months with fixed rates.
  • No application or processing fees.
  • Option to make payments by automatic deductions from your account.
  • No prepayment penalty.
  • Hybrid & Electric Vehicle Discount Available
Drive away with your used car and rates as low as 1.99% APR*.

PROMOTIONAL RATE – As low as 1.99% APR* for terms up to 59 months

  • 100% financing available.
  • Loan terms up to 84 months with fixed rates.
  • No application or processing fees.
  • Option to make payments by automatic deductions from your account.
  • No prepayment penalty.
  • Hybrid & Electric Vehicle Discount Available
Save money by refinancing your current auto loan. Rates as low as 1.99% for terms up to 59 months.

Refinance your Auto Loan from another Financial Institution
Receive 1% Cash Deposit on Auto Refinances***

  • 100% financing available.
  • Loan terms up to 84 months with fixed rates.
  • No application or processing fees.
  • Option to make payments by automatic deductions from your account.
  • No prepayment penalty.

***Refinance subject to credit approval. Minimum loan amount = $10,000. Maximum loan amount = $100,000.  Does not include in-house refinances. 1% cash deposit of amount financed up to $1000. Deposit will go directly into member’s share savings account and may be tax reportable. Limited Time Offer.

Members Heritage Auto Loan Benefits

With an auto loan from Members Heritage, you get spectacular rates and unique member benefits you can’t get anywhere else.


Low Rates

100% Financing Available

No Application or Processing Fees

Flexible Terms

No Prepayment Penalty

Hybrid & Electric Discount

 

★★★★★
“Eva & Kelly are incredible to work with! Kuddos & extra thanks to Eva for going above & beyond to help resolve some questions after the fact! Both ladies provide exemplary customer service. Thank you.”

-Terry C.

 

★★★★★
“The whole process was quick & seamless!! Thank you! Love Members Heritage!”

-Pam F.

 

It’s Quick and Easy to Apply for an Auto Loan

Step 1
Apply Online
Apply through our member portal- it’s quick and easy!
Step 2
Sign Your Loan
Agree to the loan amount, rates, and terms.
Step 3
Buy Your New or Used Auto
Use the loan to buy your new or used auto!

Already a member?   Apply Here

New to Members Heritage?   Apply Here

Finance With Us Right at Your Local Dealership

Shop for your dream car at participating Indirect Lending dealerships and finance with Members Heritage right on the lot. There’s no need to make a special trip to the credit union to apply for a loan. Just tell the salesperson you are a Members Heritage member, and you want financing through your credit union. Dealers can even open new credit union member accounts, so tell your family members that they may be eligible for our financing.

Click here for a list of participating dealerships.

Members Heritage Skip an Auto Loan Payment

Need Some Extra Cash? We’ve got you covered. You can now skip a loan payment** and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, complete this online application.

For a printable version, click here.

Other Auto Loan Resources


Extended Warranty
Protect your new auto with an extended warranty that covers repairs due to mechanical breakdowns.

Learn More

Auto Insurance
Get excellent coverage for a low monthly premium with Members Insurance Services.

Learn More

 

Ready to Apply for an Auto Loan?

We’d love to help you buy your next car. Our online auto financing application is quick and easy.

Already a member?   Apply Here

New to Members Heritage?  Apply Here

 

*APR = Annual Percentage Rate Rate may vary depending on your creditworthiness. Please ask a Member Service Officer for details regarding how your rate is determined.

*APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $1000 in new money. Auto loan rate shown based on 100% financing.

**In order to participate, all loans must be current and accounts must be in good standing. Loans that have had an extension or payment modification, within the last year may not qualify. This offers does not apply to mortgages, home equity loans/2nd mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.