New & Used Motor Vehicle Loans
- Low monthly payments
- Competitive interest rates
- New and Used Auto Loan terms up to 84 months
- Get into the vehicle you want with a competitive interest rate and up to 84 months in loan terms.
Motor Vehicle Loans
Head out onto the open road with vehicle financing solutions from American Heritage Credit Union.
When you finance a new or used vehicle with us, you get more than a loan. Our experts can help you find, finance and insure your automobile, motorcycle, or recreational vehicle.
Save more each month by refinancing your auto loan! Now is the perfect time to start saving with no payments for the first two months, rates as low as 2.99% APR† and terms up to 75 months. Not sure if refinancing is right for you? Check out our Q&A!
Get members-only discounts on vehicle protection with our partner Liberty Mutual Insurance! Take advantage of high-quality coverage, 24/7 claims service, an online portal, and competitive prices today.
Motorcycle Loans
- Low monthly payments
- Competitive interest rates
- Financing up to $40,000
- Loan terms up to 72 months
- Ready to upgrade to your dream bike? Take advantage of competitive interest rates and loan terms up to 72 mos.
Recreational Vehicle Loans
- Low monthly payments
- Competitive interest rates
- Financing up to $100,000
- Loan terms up to 15 years
- We offer loans for pop-up campers, trailer campers, 5th-wheel campers, and self-propelled motor homes.
Power Watercraft & ATV Financing
- Low monthly payments
- Financing up to $25,000
- Competitive interest rates
- Loan terms up to 72 months
Estimate Your Monthly Payment
These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances.
Member Benefits
WARRANTIES & INSURANCE
Member Protection
GAP Insurance for vehicles purchased with long loan terms
Mechanical Repair Coverage for insurance against high-cost repairs
Death, Disability and Involuntary Unemployment Insurance to protect your family against injury or death
Discount rate auto insurance from our partners: Liberty Mutual Insurance & Nationwide Insurance: The Kennedy Agency
Protect the value of your vehicle so you can focus on your other important finances.
CUDL'S AUTOSMART SHOPPING
Upfront pricing
Research your vehicle
Lock in your savings
Purchase your car
Avoid the negotiation tactics at the dealership with this great vehicle shopping service.
Auto Loan Rates (2018 - 2021)
| Terms | APR* As Low As |
|---|---|
| Up to 48 Months | 2.74% |
| 49 to 63 Months | 2.74% |
| 64 to 75 Months | 2.99% |
| 76 - 84 Months | 3.49% |
All offers are subject to change without prior notice.
†Rates and promotions effective as of January 1, 2021 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. Borrowers of promotional refinance offer will skip first two payment cycles and then make 75 consecutive monthly payments. Sample Monthly Payment: $14.64 for every $1000 borrowed at 2.99% APR at 75 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Credit Union.
*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal 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. Sample Monthly Payment: $22.31 for every $1,000 borrowed at 3.39% APR for 48 months. Your payment may vary. Rates are subject to change without notice. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.
Interest will accrue during promotional deferred payment periods. Not all applicants will be approved or receive the lowest rates stated. Other rates and terms available for vehicles 2011 & earlier. Ask for details.
