Great Rates. Free Gas.

As a Heritage West member, you have access to some of the best rates available. Whether you want to purchase or refinance, we can help you find a low-rate auto loan that will fit your budget and payment time frame. And, for a limited time, when you open a new auto loan or refinance an existing one, we’ll enter you to win free gas for a year!**

Apply Now

Heritage West Auto Loan CenterApplynow


Auto - Model Year Term* Annual Percentage Rate (APR) Apply
New 2014 - 2013 Model
Under 7,500 miles
Up to 84 months As Low As 2.25% APPLY NOW
Used 2014 - 2013 Model
Over 7,500 miles
Up to 84 months As Low As 2.25% APPLY NOW
2012 - 2011 Up to 75 months As Low As 2.25% APPLY NOW
2010 - Older Up to 63 months As Low As 2.75% APPLY NOW

*100% LTV for terms > 75 mos, APR = Annual Percentage Rate. Click here for Required Disclosures


You can apply now in just a few minutes!

  1. Apply Now complete the application, and sign all your documents electronically through Docu-Sign®.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A Heritage West Credit Union Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Should you need assistance, please contact us at (757) 552-1000, or call us toll free at (800) 678-8765.

Heritage West Auto Loans:

  • Low rates and easy terms
  • High loan-to-value financing on your purchase
  • Arrange your first payment – up to 45 days after signing
  • Fast approval process – get an answer in as little as 2 hours
  • Our large Dealer Direct network lets you purchase and finance on-site 

Credit Union Direct Lending

Heritage West Credit Union members deserve every possible convenience. We know that finding the right vehicle and financing takes a lot of time and research. That’s why we have a partnership with Credit Union Direct Lending (CUDL), which gives you the convenience of receiving Heritage West’s low auto loan rates at your local car dealership. You get the best of all worlds:

  • 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 car dealers are enrolled in the CUDL network, Heritage West members have a huge selection of cars, trucks, and SUVs from which to choose. New, Used – the choice is YOURS
  • Flexibility – our CUDL partners offer Heritage West’s always-low, competitive rates and financing terms, which fit all of our members’ needs and budgets

Simply ask your dealer if they use CUDL or contact us for details.



**Disclosure: APR = Annual Percentage Rate. Annual Percentage Rate subject to credit qualifications and certain terms, restrictions and conditions. Not all applicants will receive the lowest rate. Limited time offer. Some restrictions apply. Existing Chartway, HeritageWest, and SouthWest Community auto loans are not eligible for this promotion. 2008 and newer vehicles only. Minimum loan amount of $7,500. Normal underwriting guidelines apply. To qualify you must refinance an existing auto loan from a competitor. Offer valid through April 30, 2014. GRAND PRIZE: Odds of winning depend on total number of entries received. One winner will receive a gift card or cash award valued at $1200. For complete details and full disclosures, 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.