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 RatesCompetitive Rates Save money with our low interest rates on new or used vehicles up to 12 years old.
  • Flexible TermsCustomize your loan with repayment terms that fit your budget and lifestyle.
  • Convenience ServicesGet 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
  • View Rates
  • 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

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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.

Rates and terms may vary based on credit history, term, loan-to-value (LTV), and amount financed. Rates, terms, and conditions are subject to change. All loans are subject to credit approval and membership eligibility.

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Not an HCCU member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Also, any California resident can become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about the credit union difference.

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Auto Buying Tools

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:
Visit HCCU's CUDL AutoSMART™ site.
Apply for pre-approval and receive a loan decision in minutes.
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 & Car Protection Options

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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FAQs About Credit Union Auto Loans in Sacramento

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What are the benefits of getting a car loan through Heritage Community Credit Union?

You'll enjoy competitive rates and flexible repayment terms. This means you can save money on your loan and pay it back on your schedule.

Can I refinance my existing vehicle loan to get a better rate?

Yes, you can refinance your vehicle loan with us to potentially lower your rate. This can help you save money on your monthly payments. We'll work with you to find a better deal.

How does Heritage Community Credit Union's partnership with CUDL AutoSMART benefit me?

With CUDL AutoSMART, you'll get fast pre-approval for your loan. You'll also have access to hundreds of dealerships and informed decision-making tools like Kelley Blue Book pricing guides.

What kind of protection options are available for my vehicle?

We offer several protection options, including GAP insurance and Mechanical Breakdown Protection. These can help you avoid costly repairs and replacements.

Can I get pre-approved for a car loan before visiting a dealership?

Yes, you can get pre-approved for a car loan through our online application or by visiting one of our branches. This gives you extra buying power when negotiating with dealerships.

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Other Credit Union Vehicle Loan Options

Explore open roads, scenic byways, or tranquil waterways with our flexible financing options. Our loan solutions will put you in the driver's seat or captain's chair.

Recreational Vehicle (RV) Loans
Experience freedom and adventure on the open road. Competitive rates and flexible terms make it easy to own your dream RV.

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ATV & Motorcycle Loans
Feel the adrenaline rush as you blaze new trails or cruise down scenic highways. We'll help you finance your next two or four-wheeled adventure.

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Personal Watercraft & Boat Loans
Sail the seven seas or cruise leisurely down the lake with the perfect loan for your aquatic escape. Our loans will make your boating dreams a reality.

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Profit Wherever You Go

Looking for more than a place to stow your money? You've found it.

We Are HCCU