The loan process is fast and easy.

Whether you're ready to get a new car or a "new to me" car, we are ready to help you get the money you need at a monthly payment that works for your budget. We are old pros at car loans - you can count on us to make the loan application process quick and painless.

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Get Yourself Organized

Not sure what to expect when buying a car? We can help you every step of the way. The first step is to get organized. Here are the basics in order to feel prepared and take the stress out of the car buying experience.

Crossing things off lists is our favorite. Go ahead, give it a try.

To Do

Check your credit score;
Calculate your desired payment;
Choose your new ride;
Provide proof of insurance;
Finalize loan paperwork;
Setup auto-payments;
Enjoy your new ride;
Make a new list!;

Monthly Payment Car Affordability

Loan Amount

Interest Rate (%)

Loan Term (Months)

Trade-in Value ? Estimated amount a car dealer is willing to offer toward the purchase price of a new or used car.

Down Payment ? Down payment on the loan.

Monthly Payments $--

Total Cost of Loan $--

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Payment Amount

Interest Rate (%)

Loan Term (Months)

Trade-in Value ? Estimated amount a car dealer is willing to offer toward the purchase price of a new or used car.

Down Payment

You Could Borrow $--

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Your monthly payment is based on the net purchase price of the vehicle, the loan term and the interest rate for the loan. Loan amount is based on the net purchase price of the vehicle (plus sales tax) or the vehicle price less any cash rebate, trade-in or down payment. If you have an outstanding balance on the vehicle you trade-in, that amount is added to the price of the vehicle you are purchasing.

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Auto Loan Calculators

Use the calculators to help you estimate your monthly payments or determine how much car you can afford.

Have Questions?

We're here to help.

To speak to a UHCU home loan specialist, give us a call at 512.435.4444.

Loan Sales - Submit an application or check on the status of an application for Purchase, Refinance or Cash Out Refinance:
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM

Questions on Existing Loans or Equity Access Applications:
Monday-Friday: 8:00 AM - 5:00 PM

Auto Loan Insights & Advice

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How Much Car Can You Afford?

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Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected. Loan interest begins to accrue on open date of loan. Delaying first payment for 90 days increases amount of interest paid over term of loan.

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