Vehicle Loans

Heritage Valley offers new and used auto loans at affordable rates. Loans may be paid by sending in monthly payments or through payroll deductions. Heritage Valley is able to offer instantaneous loan approvals under most circumstances. Preapprovals for all loans are available and will be held at the approved rate for 30 days.

• "No Down Payment" option available. Up to 100% financing plus taxes, tags, and insurance
• Pre-owned autos include 2000 model year and newer
• Flexible terms - up to 72 months
• Competitive fixed rates with rate discounts available
• Free auto values available
• Pre-approval available
• Easy payment via auto transfer, payroll deduction, bill payer, telephone banking, or HVFCU@Home (online banking), and at any of our convenient locations.
• Low cost credit life, disability, and GAP insurance available
• Benefit from our partnership with Enterprise Car Sales and Enterprise Car Rentals
• Protect Your Auto with Affordable Auto Coverage

Apply here 24 hours a day!

Guaranteed Asset Protection Insurance (GAP)

Protect your financial well-being. In the event that your vehicle is ever stolen or damaged beyond repair,Guaranteed Asset Protection (GAP) insurance pays the difference between your vehicle’s insurance company settlement and the remaining amount due on your auto loan with Heritage Valley. That way you can rest assured that no matter what your auto insurance company pays for the damages done to your car, you will no longer owe any money on your unusable vehicle. In addition to that GAP coverage pays you $1,000 toward the purchase of a replacement vehicle, if you finance it through Heritage Valley.

For under $300, the decision to add GAP coverage to your auto loan should be easy! Ask any Heritage Valley loan officer for more details.

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