Credit union · NCUA insured
Heritage South Auto Loan Rates
Top CarrotHeritage South auto loans start at 6.85% APR for a new vehicle and 6.85% for a used one. Rates checked October 15, 2026.
How Heritage South’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where Heritage South has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage South
6.85%APR
- Terms
- 24–96 months
- Up to
- 18.00% APR
New/Used Auto Loan
Lowest rate
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Heritage South auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.85%
- Used vehicleUsed6.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage South 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.
Auto Refinance Special
Refinance auto loan from another institution and drop current interest rate by 2%, as low as 5.99% APR. Subject to credit approval and credit union membership requirement. Approvals based on collateral type, payment method, creditworthiness, ability to repay, and loan-to-value ratio. Amount available based on MSRP or NADA Retail Value, not to exceed current loan payoff amount.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Refinance from another institution to drop rate by 2%, as low as 5.99% APR. Lowest available rate as of September 17, 2026, subject to change. |
Sources (1)
- heritagesouth.org/loans-credit-cards/drop-your-rate · captured Oct 7, 2026
New/Used Auto Loan
All loans subject to credit approval and membership requirements. Rate is based on credit score, loan term, and age of collateral. Financing up to 100% of purchase price (new, up to 72 months) or 100% of NADA/sales value (used, up to 60 months) or sticker/NADA retail value plus taxes and tags.
| Terms | APR | Conditions |
|---|---|---|
| 24–96 months | 6.85%–18.00% | With approved credit. Rate based on credit score, term of loan, and age of collateral. Up to 100% of Sticker or NADA Retail Value + Taxes, Tags. |
Who can join Heritage South
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.