Credit union · NCUA insured
Heart of Louisiana Credit Union Auto Loan Rates
Heart of Louisiana Credit Union auto loans start at 5.00% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Heart of Louisiana Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alexandria, LA, where Heart of Louisiana Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heart of Louisiana Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle Loans
Lowest rate
Valex Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 5.49% APR
3rd-lowest rate
DOCCU
5.25%APR
- Terms
- up to 84 months
- Up to
- —
Heart of Louisiana Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heart of Louisiana Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loans
Rates are determined based on members' overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates and terms subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Maximum loan amount: Less than $15,000.00. Actual rate based on credit history and score. |
| up to 48 months | 4.75% | Maximum loan amount: $15,000.00-$19,999.99. Actual rate based on credit history and score. |
| up to 60 months | 5.00% | Maximum loan amount: $20,000.00-$29,999.99. Actual rate based on credit history and score. |
| up to 72 months | 5.50% | Maximum loan amount: $30,000.00-$39,999.99. Actual rate based on credit history and score. |
| up to 84 months | 6.75% | Maximum loan amount: $40,000.00-Greater. Actual rate based on credit history and score. |
Used/Program Vehicle Loans
Maximum loan amount is 100% of NADA "Clean Retail" for used vehicles. Maximum loan term based on "Clean Retail" for used vehicles. Existing loans must have originated within the last 12 months, maximum mileage 25,000, maximum term 72 months. Actual rate based on credit history and score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Maximum loan amount: less than $15,000.00. Actual rate based on credit history and score. |
| up to 48 months | 5.50% | Maximum loan amount: $15,000.00-$19,999.99. Actual rate based on credit history and score. |
| up to 60 months | 5.75% | Maximum loan amount: $20,000.00-$29,999.99. Actual rate based on credit history and score. |
| up to 72 months | 6.50% | Maximum loan amount: $30,000.00-$39,999.99. Actual rate based on credit history and score. |
| up to 84 months | 7.25% | Maximum loan amount: $40,000.00 & Greater. Actual rate based on credit history and score. |
Who can join Heart of Louisiana Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Rapides, Winn, Allen, Natchitoches, Evangeline, Concordia, Catahoula, LaSalle, Avoyelles, and Grant parishes, as well as businesses and other legal entities located in this area.
Membership information collected October 5, 2026.