REFINANCE & SAVE

In less than 10 minutes, you can save thousands of dollars on your monthly car payments.

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Enjoy no payments for up to 90 days

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Lower your car payments by as much as $150 a month

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No fee to apply

FAQs

Having questions about auto loan refinancing is common with factors like eligibility, documentation, potential savings, and application steps to consider. We’ve compiled some frequently asked questions to provide clarity and simplify the process. Still have a question? Reach out to us at 912-527-5411 or autorefi@heritageccu.com and one of our team members will assist you.

There is no fee to apply.

All credit scores are welcome! In fact, those with less-than-perfect credit often find more savings. Apply now to see what your savings might be every month. If you received an offer of credit letter with a promo code, you were already pre-qualified at that time and meet our initial credit criteria.

In most cases, if you originally financed through a dealership, you would probably save a significant amount by refinancing. Or if your credit score increased since purchasing the vehicle, you may qualify now for a lower rate.

Pre-qualification refers to being pre-approved based on the credit information provided by the credit bureaus. You were selected based on your credit score falling within an acceptable range. Other factors need to be reviewed before approval, like the vehicle information and your current employment information.

Your offer expires 6 weeks after you've been pre-qualified. You may use your offer up to the expiration date. If your offer expires before you are ready to refinance your vehicle, you are still welcome to apply, rates and payments are subject to change due to market conditions.

You are not required to extend your loan beyond your current term. In some cases, this may be required to meet lending requirements or if you are trying to maximize your monthly savings.

Heritage Community Credit Union and our marketing partner take the security of your personal information seriously. Please review our privacy policy on our website for details.

In general, these documents will be required:
  • Driver’s License
  • Registration
  • Proof of Income
  • Proof of Insurance
  • Title: if you are in a state where you are responsible for holding the vehicle title, you will need to provide it for the title to be perfected for the new lender
  • Other documentation may be required

About Heritage Community Credit Union

We are committed to your success, providing tailored banking solutions to help you achieve your financial goals. Enjoy competitive rates on loans and savings accounts, personalized financial guidance, and exclusive access to innovative banking products and tools—all designed to turn your dreams into reality with connected financial solutions that empower and support you every step of the way.

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Need Assistance? We Are Here To Help!

We strive to make it as easy and convenient as possible for you to contact us and begin the process of refinancing your auto loan. Our dedicated representatives are ready to assist you every step of the way, ensuring a smooth and efficient experience tailored to your needs.

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Para hablar con uno de nuestros representantes en español por favor llámenos al 800-914-7536