Auto Loans

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Drive Away Happy With Great Rates and Flexible Terms

We make it easy to get behind the wheel of a new or used car. Enjoy a hassle-free process and personalized support every step of the way. Take advantage of the following benefits when you get your auto loan through us:

  • Competitive Rates: Save money with our low interest rates on new or used vehicles up to 12 years old.
  • Flexible Terms: Customize your loan with repayment terms that fit your budget and lifestyle.
  • Convenience Services: Get pre-approved for your loan and enjoy extra buying power at the negotiating table.
  • Local Processing: Experience the convenience of local decision-making from our Greater Sacramento team.

At Heritage Community Credit Union, our tailored loan products help our members save time and money. Click below to apply online, or visit a branch to learn more!

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Details About Our Auto Loans

 Discover a better way to finance your vehicle with our comprehensive car loan options. Review the details of our vehicle loan solutions and see what makes them unique:

  • Competitive rates for new or used cars of up to 12 years
  • Recreational vehicle loans are also available
  • Refinance vehicles financed elsewhere to lower your rate
  • Flexible repayment terms
  • Up to 125% financing is available on all purchases
    • Loan amounts from $5,000 to $75,000
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  • Pre-approvals for extra buying power when negotiating
  • Find a better deal on your next purchase with CUDL AutoSMART
  • Find a quality used vehicle at a no-haggle price through Enterprise Car Sales
  • Car buying service available through Autoland®
  • Loan protection is available for all financed vehicles:
    • Auto Insurance through HCCU Insurance Agency
    • Loan protection through Blue Diamond
    • GAP insurance
    • Mechanical breakdown protection (MBP)
  • Local decision-making and processing right here in the Greater Sacramento area
  • Helpful, customized service throughout the entire process

You must provide evidence of insurance as a condition of your car loan agreement. You may use this secure site to submit proof of insurance, check your insurance status, or view your insurance history. Or call 877-621-1093 for assistance.

All loans are subject to approval.

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Auto Buying Services

AutoSMART: Fast & Easy Car Loan Pre-Approval

Simplify Your Car Buying Experience with HCCU's partnership with CUDL AutoSMART™. This program streamlines the financing process, getting you pre-approved for an HCCU auto loan before visiting the dealership.

Benefits of CUDL AutoSMART:

  • Fast Pre-Approval: Get approved for an HCCU loan in minutes through the automated CUDL system.
  • Nationwide Network: Access hundreds of dealerships participating in the CUDL program.
  • Informed Decisions: Use online tools like Kelley Blue Book® pricing guides to research vehicles and negotiate confidently.
  • Streamlined Financing: Walk into the dealership with pre-approved financing, eliminating the stress of last-minute loan applications.

Get Started with CUDL AutoSMART:

  1. Visit HCCU's CUDL AutoSMART™ site.
  2. Apply for pre-approval and receive a loan decision in minutes.
  3. Shop with confidence at any participating CUDL dealership.

Save time and secure the financing you deserve with HCCU and CUDL AutoSMART!

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Enterprise Car Sales®

HCCU has partnered with Enterprise Car Sales® to offer a stress-free car buying experience with:

  • No-Haggle Pricing: Get upfront pricing without negotiating.
  • Low-Pressure Sales: Relax and browse their inventory with friendly, helpful staff.
  • Peace of Mind Guarantee: Every vehicle comes with its Perfect Used Car Package® to ensure quality and satisfaction.

Find a Great Used Car at Enterprise:

  • Their vast selection of used vehicles comes primarily from their rental fleet, offering high quality and value.
  • You're guaranteed a great deal – the price you see is the price you pay.

Learn More:

Call Enterprise Car Sales® at 1.800.Car.Sales (1.800.227.7253) or visit our joint website.

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Autoland®

Designed specifically to serve credit unions and their members, Autoland® provides expert guidance throughout your car buying journey. Here's what sets them apart:

  • Dedicated Partner: Autoland® understands the needs of credit union members and works to get you the best possible deal.
  • One-Price Policy: Enjoy transparent pricing with no haggling or hidden fees.
  • Extensive Network: Benefit from Autoland's vast network of dealerships across the West Coast.
  • Seamless Experience: Autoland® simplifies every step of the car buying process—from pre-approval to final delivery.

Find Your Perfect Car with Autoland:

  • Visit Autoland online to learn more about their services and browse their extensive inventory.
  • Leverage HCCU's competitive vehicle loan rates to maximize your savings.

Start your stress-free car-buying journey today!

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Loan Protection

 

Blue Diamond
Loan Protection

This protection covers death, injury, or involuntary unemployment and is available for consumer and home equity loans.

  • Simple eligibility requirements Coverage for up to 2 borrowers
  • We can finance your premiums into your monthly loan payment.
  • Maximum protection of $50,000 on consumer loans for loss of life
  • Maximum protection of $100,000 on home equity loans for loss of life
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Guaranteed Auto Protection (GAP)

GAP protects your vehicle if it's stolen or totaled in an accident. It covers the difference between your vehicle's value and loan balance.

  • Get coverage for new, used, and refinanced vehicles.
  • Auto Deductible Reimbursement (ADR) pays up to $500 (a maximum of two yearly losses) when a claim is filed and paid with the primary insurance carrier.
  • An additional $1,000 towards purchasing a replacement vehicle when financed with HCCU.
  • You can finance a low-cost premium of only $499* into the loan amount.
  • Save hundreds of dollars off GAP purchased at a car dealership!
  • Payment benefits up to 150% LTV coverage at the time of loss, not to exceed $50,000.

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Mechanical Breakdown Protection (MBP)

Get peace of mind with our warranty that protects your vehicle from unexpected failures. 

  • Coverage is available for new or used vehicles.
  • 4 different plan levels for customized coverage.
  • A low-cost premium that can be financed into the loan amount (financing not a requirement).
  • Rental car assistance, road hazard tire protection, 24-hour roadside assistance and towing, and trip interruption reimbursement.
  • Payment benefits up to $50,000.

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