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Finance large expenses with predictable monthly payments and competitive rates.
Some purchases are too important to delay — whether it’s replacing essential home appliances, buying new furniture, upgrading your technology, funding medical equipment, or covering other major personal expenses. At Heritage Credit Union, our Major Purchases Loan helps you afford these essential big-ticket items without straining your monthly budget.
Instead of relying on high-interest credit cards or unpredictable payment plans, you can finance your purchase with fixed monthly payments, lower interest rates, and clear repayment terms. This makes it easier to manage your finances while getting what you need right away.
Perfect for appliances, furniture, electronics, home upgrades, and more.
Fixed terms ensure your payments stay stable and budget-friendly.
Pay less compared to credit cards or retail financing options.
Get the funds quickly so you can make your major purchase without delay.
Choose a repayment schedule that fits your financial goals.
No hidden fees, no complicated terms — just responsible financing.
Our members use this loan for a wide variety of essential expenses, including:
We’ve made the borrowing process simple, transparent, and member-focused. Here’s what you can expect:
When you borrow from a credit union, you benefit from member-first service, competitive rates, and community-focused lending. Our goal is to help you get the items you need with the financial stability you deserve.
Any large, essential purchase such as appliances, furniture, medical devices, electronics, or home equipment.
Yes, all Major Purchases Loans come with fixed, predictable monthly payments.
In most cases, yes. Our loan typically offers lower interest and structured repayment.
Most approvals happen quickly, allowing you to make your purchase without delay.
