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United Heritage Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 15 November 2023
Fact checked

United Heritage Credit Union auto loans overview

United Heritage Credit Union logo

United Heritage Credit Union offers vehicle financing options across Central Texas, Austin, and Tyler communities. Members can enjoy loans with personalized services, low interest rates, and long repayment terms. Besides cars, UHCU also provides financing for pre-owned and new boats, motorcycles, and a range of recreational vehicles.

Want to see what a UHCU auto loan will cost? Try the United Heritage Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key United Heritage Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 4.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

UNITED HERITAGE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Through United Heritage, you can purchase or refinance your current loan at a competitive rate. New and pre-owned cars have interest rates as low as 4.99% APR and terms as long as 84 months. Moreover, you can take advantage of the credit union’s auto-buying service to easily find the vehicle you want.

Motorcycle, boat, and RV loans

You can also explore the land or cruise the waters with UHCU’s loans tailored for RVs, boats, and motorcycles. Rates can be as low as 6.79% APR. Plus, you can secure new and used vehicles, like motorhomes, travel trailers, motorcycles, boats, and more.

United Heritage Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
United Heritage Credit Union

United Heritage Credit Union auto loan

United Heritage Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate United Heritage Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a United Heritage Credit Union auto loan

Eligibility criteria

Though United Heritage Credit Union doesn’t specify the criteria for vehicle financing, you typically need to be:

  • At least 18 years old
  • A legal resident
  • A United Heritage member
  • Employed or have a steady source of income

Since your credit is one of the factors that impact your APR, try to build your credit before you apply. A high credit score will show banks, lenders, and credit unions that you can manage your debts. In turn, you may qualify for better loan options.

How to join United Heritage Credit Union

United Heritage is open to anyone who meets one of the following requirements:

  • Live, work, attend school, or own a business in Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt, or Wood
  • A relative of a member of UHCU
  • An existing member of or join the Texas Consumer Council (TXCC)

What you’ll need to have ready

Personal details

When you apply for auto financing with Meriwest Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide UHCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It will also help your application if you understand the steps in getting a car loan. This will give you insights into how to increase your chances of getting approved and securing favorable rates and terms.

Ways to apply for a UHCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 512-435-4444

Additional United Heritage auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for well-qualified borrowers.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible loan terms.
  • No payment for 90 days.
  • Quick funding time.
  • Co-applicants allowed.
  • Convenient auto-buying services offered.
  • Auto, motorcycle, RV, and boat loans available.
  • Purchase and refinance available.
  • Autopay allowed.
  • Complete Vehicle Protection (CVP), Vehicle Service Contract (VSC), and Guaranteed Asset Protection (GAP) offered.

Cons

  • Membership/regular savings account required.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does UHCU charge on car loans?

United Heritage offers auto loans as low as 4.99% APR. Remember though that your APR will depend on your collateral, loan amount, credit, and term.

What is the maximum length of a United Heritage vehicle loan?

You may choose repayment plans of up to 84 months.

Can I apply for a United Heritage Credit Union auto loan online?

Yes. You can submit your auto loan application online.

How can I contact United Heritage Credit Union about my auto loan?

You can reach out to UHCU’s Loan Contact Center at 512-435-4444.

How long does it take for a United Heritage car loan to be paid into my account?

The credit union can typically disburse funds the same day as the loan closing.

How do I pay my United Heritage Credit Union vehicle loan?

You have multiple ways to pay your car loan – online and mobile banking, over the phone, by mail, and in a branch.

How many pay slips does UHCU require during my auto loan application?

Though United Heritage doesn’t disclose the exact requirements, you usually need your 2 most recent pay stubs.

Video: UHCU provides auto loans for where you’re going

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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