Auto/Recreational Loans


Types of Loans:

  • Cars, Vans, and Trucks
  • Motorcycles
  • Travel Trailers
  • ATVs
  • Personal Watercraft
  • Boats
  • Farm Equipment
  • Motor Homes/RVs

We Match Dealer Rates!

As you look for the best loan rate for your purchase, please call the credit union to see if we can match and auto, boat, motorcycle, or RV loan rate you are offered. Bring us your rate confirmation from the dealer, and we'll match it or refinance your loan if you've already purchased. Certain restrictions apply, but call or come by one of our branches today for details. Get the best service and the best rate at your Credit Union!

We offer our members:

  • No-Hassle Car Buying Service
  • Option to finance at most major dealerships or in person at Heritage South Credit Union
  • Competitive Rates
  • Flexible financing options for both new & used vehicles
  • Easy payment options through online banking, payment automation, and online bill pay

Getting Preapproved!

Save yourself some time and effort on the car lot, get preapproved! By getting preapproved, you know you'll have the best rates from Heritage South and you will also know how much you can spend on your new vehicle. Just stop by one of our branches or give us a call, it's quick and easy!

Warranty on your vehicle:

In addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer's warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.
Available Features Include:

  • Low deductibles - options of $0, $50, $100 or $200 available
  • Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer
  • Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles
  • Toll Free Roadside Assistance
  • Toll Free Claims phone number
  • Trip Interruption Coverage
  • Increased vehicle resale value
  • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
  • Claims are paid directly via credit card
  • Service contracts are valid in the U.S. and Canada

Why purchase an Extended Vehicle Service Contract?
Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

How do you get an Extended Vehicle Service Contract?
Contact your credit union loan representative or call Auto Exam toll free at (800) 709-5792 or visit for more information on the Vision Warranty Program provided by Auto Exam.

You can request a warranty quote by clicking here.


GAP Insurance

The last thing you want to think about is a total loss on your vehicle...but you should. GAP is total loss protection and more! If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth. GAP helps cover the difference and potentially save you thousands of dollars. Most vehicles are eligible and GAP coverage can generally be included in your vehicle loan payment.

Ask one of our loan representatives for more details.

Transamerica - Credit Life & Accident and Sickness Insurance

A small financial hiccup can balloon into a mountain of headaches. Protect yourself from late fees, finance charges, and payment deliquency. Talk with one of our loan officers today about a payment protection plan that is right for you. Don't worry about additional bills to pay, your premium can be included in your monthly loan payment.


HSCU Car Buying Service powered by TrueCar

Enjoy Heritage South's new hassle-free car buying experience! If you are in the market for a new vehicle, you can see what others have paid for the same vehicle. Save money off MSRP and get a great rate from your credit union!

  1. Research your vehicle and see what others have paid for the same vehicle.
  2. Print your Guaranteed Savings Certificate. Click Apply Now and complete the HSCU online application. We offer rates as low as 0.95% for 36 months and 2.50% for 60 months.
  3. Visit any HSCU branch to pick up your check and finish the auto loan. Be sure to check out if GAP, a Vehicle Service Contract, or credit insurance might be right for you.
  4. Visit the dealer with the no-hassle certificate and the check to sign and drive!

Get started by clicking here or below on the banner.

Why should you use our Car Buying Service?

  • Savings off MSRP
  • Certified Dealers
  • Guaranteed Savings
  • Free CARFAX Report
  • Over 600k vehicles to choose from