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Finance your new vehicle with rates as low as 4.99% APR and flexible terms up to 84 months. Trusted auto financing for members across Canada and the United States.
Purchasing a new vehicle is an exciting milestone, and at Heritage Credit Union, we make the financing process smooth, transparent, and budget-friendly. Whether you're upgrading your ride, buying your first car, or switching to a fuel-efficient or electric model, our New Car Loan program offers maximum flexibility and exceptional value.
With competitive interest rates starting from 4.99% APR, repayment terms up to 84 months, and quick online approvals, we help you drive confidently without financial stress. Serving members across Canada and the United States, we bring local decision-making and simple lending directly to your fingertips.
Enjoy competitive rates beginning at 4.99% APR to keep your payments affordable over your full loan term.
Apply online in minutes and get pre-approved instantly so you can shop for your new vehicle with confidence.
Choose a repayment plan that aligns with your budget. Long-term and short-term options available.
Transparent auto financing with no prepayment penalties or surprise fees.
We understand that every member’s financing needs are unique. That’s why our New Car Loans allow you to customize:
Whether you want low monthly payments or a shorter term for faster payoff, our specialists help build the right plan for you.
We support all modern vehicle types including electric cars, hybrids, SUVs, and pickup trucks. Members purchasing fuel-efficient or electric vehicles may also benefit from additional incentives depending on their region in Canada or the U.S.
Step 1: Apply online using our secure application form.
Step 2: Receive instant pre-approval (in most cases).
Step 3: Shop for your new vehicle with confidence.
Step 4: Finalize your loan and drive away with your new car.
Our New Car Loan program is available to eligible members across:
We follow local lending standards, ensuring security, compliance, and trust.
We accept a wide range of credit scores. A higher score may earn lower rates, but many members qualify with average credit.
Many applications are approved the same day, with instant pre-approvals available.
No. We do not charge any early payoff penalties on auto loans.
Yes. If your current auto loan has a high rate, we may help you lower your payments or reduce interest.
Absolutely. Pre-approval lets you shop with confidence and negotiate better pricing.
