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Apply For a LoanAuto Loans from American Heritage
Whether you’re purchasing a new or used vehicle or hoping to save by refinancing, our team makes the process simple. Explore competitive auto loan rates and flexible terms designed to fit your budget and support your financial goals.
Take advantage of this opportunity to purchase or refinance your vehicle with no payments for the first two months on a 63‑month term, with auto loan rates as low as 4.99% APR.2
How Does an Auto Loan Work?
Auto Rates (2024 - 2026)
| Terms | APR2 As Low As |
|---|---|
| Up to 63 Months | 4.99% |
| 64 to 75 Months | 5.24% |
| 76 - 84 Months | 5.99% |
Frequently Asked Questions
Should I Get My Auto Loan Pre-Approved?
When choosing an auto loan, you don’t have to finance through your dealership. You can save time and hassle, and potentially enjoy more negotiating power, with an affordable pre-approved loan from your local credit union. American Heritage offers free pre-approvals and will help you figure out how much you can spend before you even set foot in the dealership, preparing you to shop confidently and find a car that’s right for your budget.
Should I Buy or Lease My Next Vehicle?
Both buying and leasing have something to offer when it comes to flexibility. Many lessees (leaseholders) like that they can select from an expanded range of options, drive a model for a few of its prime running years, and then easily turn it in for an upgrade. However, if your needs change midway through a lease term — say, your family grows and you need more seating — you’ll face a steep termination fee. If you own your car, you can sell or trade it in anytime, pay off any remaining loan balance, and find a new ride that better suits your circumstances.
Should I Refinance My Auto Loan?
Auto loan refinancing means that the loan that you purchased or leased your vehicle with does not necessarily have to be the loan you keep until the vehicle is paid in full. If you decide to refinance your auto loan, your new loan will ideally provide opportunities for you to save money with lower interest payments or the ability to switch to new loan terms.
What Insurance Options Does American Heritage Offer?
American Heritage has partnered with insurance providers to ensure that you get the right coverage for your vehicle and lifestyle. You can get discounted insurance rates from our partners to cover things like Mechanical Repair, GAP, and involuntary unemployment.
American Heritage Credit Union is proud to be a member-owned, federally chartered, financial cooperative with more than $5 billion in assets. We serve more than 325,000 members and 800 Workplace Partners, with 35+ locations across Philadelphia, Bucks, Montgomery, Delaware and Camden Counties.
Founded in 1948, American Heritage Credit Union has a rich history of empowering local communities. Today, we are one of the top 70 largest credit unions in the United States and have been named Pennsylvania’s 2025 Best-in-State Credit Union by Forbes for the third consecutive year.
Disclosures
1 Loans are subject to credit approval. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Not all may qualify. Not a member? Join today.
2 APR = Annual Percentage Rate. Rates and promotions effective as of November 15, 2025, and are subject to be cancelled, extended, or changed without notice. Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Not all may qualify. Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments. Interest will start accruing on the day funds are disbursed. Less or no principle may be deducted from the first payment(s) made after the skipped payment cycles. Sample Monthly Payment: $18.08 for every $1,000 borrowed at 4.99% APR at 63 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan refinance rates available for vehicles not previously financed at American Heritage Credit Union. Rates available for automobile model years 2024 to present.
Not all applicants will be approved or receive the lowest rates stated. Interest will accrue during promotional deferred payment periods. Other rates and terms available for vehicles 2015 & earlier. Ask for details.
