American Heritage Credit Union
American Heritage Credit Union — auto refinancing with terms up to 7 years and easy membership through foundation donation.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means American Heritage Credit Union does not publish this on their public site. "No restriction" means American Heritage Credit Union explicitly states no limit.
Overview
American Heritage Credit Union provides a variety of auto financing solutions, including refinancing for those looking to save on interest or lower their monthly payments. They offer terms up to 84 months and competitive starting rates.…
What’s great
- Long loan terms up to 84 months
- Easy membership via $5 foundation donation
- No payments for the first two months on qualifying terms
What to know
- Starting APR is higher than some competitors at 5.49%
- Full APR range is not disclosed
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.49% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Open to those who live, work, worship, or attend school in Philadelphia and surrounding communities, employees of workplace partners, or by joining the Kids-N-Hope Foundation with a $5 donation. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from American Heritage Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with American Heritage Credit Union before applying.
- [1]Auto Loans — American Heritage Credit Unionhttps://www.americanheritagecu.org/loans/auto-loansLast checked: October 2026
- [2]FAQ — American Heritage Credit Unionhttps://www.americanheritagecu.org/faqLast checked: October 2026