Everything you need to get in the driver's seat.

With HeritageWest Auto Loans, we have an easy application, instant approvals, and fast funding. Finance your new vehicle, or refinance your existing vehicle, by taking advantage of our special web-only rates today.

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You’ve found the perfect car, now you need a quick decision on your auto loan. You’ve come to the right place. Whether you’re buying a new car or refinancing an existing one, we’ve got a fast approvals process and low, web-only rates to get your motor running. Get approved online for free today, and you’ll be ready to put your new car in drive.

We offer:Content Images New Car 3

  • Low, rates and flexible terms
  • High loan-to-value financing on your purchase
  • No payment for up to 45 days after signing
  • Fast approvals – in as little as 2 hours
  • Large auto dealer network with onsite HeritageWest financing


Auto - Model Year Term* Annual Percentage Rate (APR) Apply
New 2015 - 2014 Model
Under 7,500 miles
Up to 63 months
64 to 75 months
76 to 84 months
As Low As 1.89%
As Low As 2.19%
As Low As 6.69%
Used 2015 - 2012 Model
Over 7,500 miles
Up to 63 months
64 to 75 months
As Low As 2.09%
As Low As 2.39%
2011 - 2009 Up to 63 months
64 to 75 months
As Low As 2.19%
As Low As 2.49%
2008 - Older Up to 63 months As Low As 3.29% APPLY NOW

*100% LTV for terms > 75 mos, Click here for Required DisclosuresCalcLearnmore

Shop for your car, not your rate.

Finding the right vehicle can take a lot of time and research, but your financing doesn’t have to. We’re partnered with Credit Union Direct Lending (CUDL) dealers who can offer you a HeritageWest auto loan right at the dealership. Our dealers make the process of buying a car and financing a car hassle-free.

Simply tell your auto dealer that you’re a HeritageWest member, and ask if they use CUDL. Be sure to get your low-rate HeritageWest auto loan before driving off the lot.

Our Dealer Direct Program Offers:

  • Convenience – Get your loan approved, finalize all documents, and apply for vehicle titles without ever having to leave the dealership
  • Selection – Not only do you get the lowest loan rates, but because so many new car dealers are enrolled in the CUDL network, you’ll have a huge selection of cars, trucks, and SUVs from which to choose. New or used – the choice is YOURS
  • Flexibility – Our CUDL partners offer our always-low, competitive rates and financing terms, designed to fit your unique budget


*APR = Annual Percentage Rate. Rates subject to credit qualifications and certain terms, restrictions, and conditions. Not all applicants will receive the lowest rate. Some restrictions may apply. Rates subject to change at any time without notice. Normal underwriting guidelines apply. For complete details on our auto loan rates, please see a member specialist.

Apply online in just a few minutes.

Our online application process is quick, easy, and secure. Use our application center to check on your loan status after you apply.