Apply for a Loan

We're excited that you trust American Heritage Credit Union to help you with your financial needs! Applying for an American Heritage Loan is easy, and we offer several convenient ways to start your application.

Whether you're planning your next big purchase or need some extra support, American Heritage Credit Union makes it easy to apply for the loan that fits your life.

 

    The general loan process

    1. Choose your loan type.
      Review your options and find the loan that fits your situation.
    2. Submit your application.
      Apply online, in-person, or through our mobile app—it only takes a few minutes.
    3. Get a quick decision.
      Most applications are processed the same-day or next-day.
    4. Receive your funds.
      Approved applications are typically funded quickly so you can get started right away.

     

    Why borrow with American Heritage?

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    Convenient & Quick Lending

    Easy online applications
    Fast decisions

     

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    Member-Focused Service

    Competitive interest rates
    Local, personalized service

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    Trusted in the Community

    Trusted by over 3000,000 members
    In the community for over 75 years

     

     

    Learn More About Our Loans

    Auto Insurance Policy

    Auto Loans

    Auto loans offer a more affordable and structured way to finance your next vehicle purchase.

    Learn More

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    Credit Cards

    Credit cards give you convenient access to funds for everyday purchases, travel, or emergencies—when you need it most.

    LEARN MORE

    Down Payment

    Home Equity Loan or HELOC

    Instead of dipping into savings, a Home Equity Loan or HELOC lets you borrow against the value of your home to fund renovations, education, or large expenses.

    Handshake Mortgage

    Mortgage Loan

    Rather than renting, a mortgage loan is a long-term solution to invest in a place to call your own—on terms that fit your life.

    LEARN MORE

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    Personal Loan or Line of Credit

    Whether it’s a wedding, medical bills, travel, or debt consolidation, personal loans provide flexible funding without the hassle of credit card interest.

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    RV Recreational Vehicle or Motorcycle Loan

    Skip the high credit card interest—an RV or motorcycle loan offers an affordable way to finance your next adventure on the road.

    LEARN MORE

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    Share Loan

    Rather than withdrawing your savings, a share loan allows you to borrow against your account balance—so your money can keep growing while you borrow.

    LEARN MORE

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    Business Credit Card

    Instead of using personal cards for business expenses, a business credit card keeps your company spending separate while earning rewards along the way.

    LEARN MORE

     

     

    Apply in Branch

    You can apply for a loan in any of our branch locations. You can also set up an appointment online to visit an American Heritage branch discuss a loan.

    Find a Branch          Schedule an Appointment


    Apply by Phone

    For Consumer Loans

    You can easily apply for a consumer loan over the phone—just give us a call and one of our team members will guide you through the process from start to finish.

    Call 844.264.5363

    For Mortgages

    Applying for a mortgage is just a phone call away—our friendly mortgage specialists are ready to walk you through every step and answer any questions you have.

    Call 800.808.2662

     

    Borrow Smarter

    Loans & Borrowing: 10 Terms You Should Know

    By: American Heritage
    09.17.20
    The process of comparing your financing options and choosing the right one can sometimes feel overwhelming – especially with all the financial jargon and concepts associated with loans and borrowing. Fortunately, many of these concepts are less complicated than they seem. Here’s a quick overview of some of the most important borrowing terms you should know. Learn them now, so you can make smarter borrowing decisions later.
    Read This Blog
    Woman preparing to travel

    Is a Personal Loan Right for You?

    By: John Lutz
    04.10.25
    Whether it's your wedding, a dream vacation, or an unexpected car repair, a personal loan can help you get through all of life's ups and downs. Read on to learn more about personal loans and how they differ from other forms of borrowing, like credit cards.
    Read Blog Post
    Family purchasing their new home

    Preapproval: An Important Step in the Loan Process

    By: John Lutz
    10.24.24
    There are several steps before you purchase a home or buy your next vehicle. One of the first steps in these processes is to be preapproved for a loan. While a preapproval may seem unnecessary at first, the truth is that it’s a critical step in the loan process which can help make your end goal of buying a home or finding your next car easier.
    Read Blog Post

    Product Spotlight: Auto Loans

    By: Holly Benedetto
    09.29.22
    Purchasing a vehicle is a significant life milestone and financial achievement. Whether you’ve owned multiple vehicles during your life or are shopping for your very first set of wheels, American Heritage can help you from beginning to end of your purchasing journey.
    Read Blog Post

    Not sure which loan application is right for you?

    We're here to help! If you have questions or want to talk through your options, call us at 800-342-0008 or stop by your local branch today!
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