Vehicle Loans
Let’s get you on the road!
Find a Vehicle for Your Needs
Looking for a great rate on auto, boat or motorcycle loans?
Heritage Financial Credit Union offers a wide range of terms and competitive rates on new and used vehicles. We can get you into your new ride easily and quickly. And, let us save you money by refinancing your current loan and help you lower your monthly payments! Inquire today by giving us a call at 845-561-5607.
Get pre-approved! Knowing how much you can borrow gives you buying power during the auto loan shopping process. Stop into your nearest Heritage Financial Credit Union branch to start your auto loan pre-approval today.
Check Out Our Vehicle Loan Rates
We offer a variety of vehicle loans base on your qualifications. From auto and motorcycle to boat and RV, we have you covered.
| Type of Loan | Fixed APR As Low As 7, 8, 9, 10 |
|---|---|
| Tier 1 Auto (Model Years 2023-2026)8 | 5.09% |
| Tier 2 Auto (Model Years 2018-2022)8 | 6.17% |
| Tier 3 Auto (Model Years 2015 – 2017)8 | 7.82% |
| New Boat/Motorhome/RV (2023-2026)15 | 6.50% |
| Used Boat/Motorhome/RV (Model Years 2018-2022)15 | 7.00% |
| New/Used Motorcycle/OV (Model Years 2018-2026)16 | 7.49% |
My Auto Loan Funded, What’s Next?
We are so thankful that you chose HFCU for your auto loan! In the loan process, you should have been informed that you will need to submit proof of insurance as a condition of your loan with us. To submit your insurance, check on your insurance status or view your insurance history, click the button below to be taken to our secure login page through MyLoanInsurance® to sign in using the Reference ID and PIN you were provided. No reference ID or PIN? Call us at 845.561.5607.
Planning a Trip to the Dealership?
Make sure to check out our list of partners before planning your trip to the dealership! Click the button below to view the full list of dealerships that we partner with. If you visit one of them, be sure to tell them HFCU sent you. Happy shopping!
Vehicle Loan Disclosures
7 APR=Annual Percentage Rate. Actual rate may vary based on credit worthiness and down payment, if applicable. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice. Contact a credit union employee for further details. Other terms and conditions may apply.
8 As an example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 125% financing is also available for qualified borrowers. Maximum term is 84 months; other terms are available.
9 All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account.
10 The maximum APR that may be imposed is 25.00%.
15 Maximum term is 180 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.
16 Maximum term is 60 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.