Ready to hit the road in a new car?

When it comes to cars, you've got a lot of options. Is your current vehicle nearing the end of its lease? In need of a car that can accommodate a growing family? Ready to splurge on your dream ride? Let us help you feel confident and secure when you're behind the wheel.
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Buying a car is an exciting time, but one full of decisions and options. From lease buyouts to new and used cars, there's a lot to explore. Before putting your keys into the ignition, make sure you've considered all of these factors.

 

Plan ahead before you shop.

  • Prepare and refine your list of "musts" and "nice-to-haves" when it comes to your next car.
  • Figure out how much you are comfortable spending on a monthly car payment and commit to a price point that you are not willing to go above.
  • Apply for a free pre-approval so you know how much you may be eligible to borrow (this can also give you some added leverage when negotiating at a dealership).
  • Take advantage of our CUDL AutoSmart service for added shopping convenience

Prepare for additional expenses.

  • Your car's cost doesn't stop at the sticker price. Be ready to cover costs for the vehicle’s registration, insurance, and inspection.
  • Adjust your budget to accommodate more frequent fill-ups if your new vehicle will be less fuel-efficient.
  • Consider the costs of vehicle insurance, including GAP Advantage and MBP options.

Should you buy out your auto lease?

If your car is nearing the end of its lease, it may make more sense to explore a Lease Buyout with us. If you love your car and want to remain in a set of reliable wheels, this option may be the most attractive, both for your preferences and your wallet.

 

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Auto Loans

Find and finance your next car through an Auto Loan with American Heritage! Enjoy flexible terms and low rates, allowing you to enjoy your new ride and feel confident in the purchase you've made.

Auto Insurance

Warranties & Insurance

When you apply for an Auto Loan with American Heritage, you're applying for more than just funds to buy your next car. Once your loan is approved, you'll also receive Member Protection and GAP Insurance for longer-term loans. You can also apply for Mechanical Repair Coverage for insurance against high-cost repairs.

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Looking for More Than a Car?

Our Auto Loans don't end with cars! You can also apply for loans for motorcycles, recreational vehicles (RVs), power watercrafts, and ATVs. And you'll still enjoy low monthly payments and flexible terms.

The Keys to Buying Your Next Car

A man shaking hands with a saleswoman at a car dealership

What Your Next Car Will Really Cost You

By: American Heritage
06.05.25
Buying a car isn't just about the sticker price and monthly payment. From auto insurance to maintenance and gas, there's a lot to consider. Check out our list of what expenses to factor in when buying your next car, as well as ways in which we can help you manage these costs.
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Family purchasing their new home

Preapproval: An Important Step in the Loan Process

By: John Lutz
10.24.24
There are several steps before you purchase a home or buy your next vehicle. One of the first steps in these processes is to be preapproved for a loan. While a preapproval may seem unnecessary at first, the truth is that it’s a critical step in the loan process which can help make your end goal of buying a home or finding your next car easier.
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Mother pulling son on suitcase and loading car for family vacation

Your Guide to Planning the Perfect Road Trip

By: American Heritage
05.23.24
Is the open road calling you? You’re not alone. Every summer, millions of people in the U.S. travel by car for leisure. Whether you’re heading across the state or across the country, a road trip can be a fun, flexible, and economical way to travel with the family. But before you gas up and hit the highway, a little planning can ensure a smooth and enjoyable journey. From preparing your vehicle to mapping out your route and packing emergency supplies, here are some tips for making the most of your summer road trip.
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Is Auto Loan Refinancing Right for Me? Q&A

By: Holly Benedetto
01.25.24
When comparing potential auto loan lenders to refinance with, the main factors to consider are the loan amount (how much money you’re borrowing), the annual percentage rate (or APR, the interest rate on the loan), and the loan term (time to pay back the loan in full). We know refinancing a loan can be a bit daunting—that’s why we answered some of the most common questions buyers have when it comes to deciding when and how to refinance your auto loan.
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Drive with Confidence with Auto Insurance

You can save on Auto Insurance as a member of American Heritage Credit Union! We're proud to partner with Liberty Mutual Insurance Presented by TruStage® Insurance. We're here for you when you need us most!
Get an Auto Insurance Quote Today
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Ready to take the wheel?

American Heritage offers members a variety of products and services to get them in their new vehicle including low rates loans, discounted auto insurance and warranties, and much more!
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