Consumer Loans

Heritage Trust is committed to providing the best loan products available in the market, offering a great selection of loans with competitive rates.

Additional Services

24-Hour Lending Available
Need to apply for a loan outside of normal business hours, but want to speak with a representative? With our 24-Hour Lending service, you can apply for a loan after regular work day hours, on weekends and even certain holidays. Call (843) 832-2600 | (800) 845-5550.

Guaranteed Asset Protection* (GAP)
Protection designed to eliminate your unpaid net loan/lease  balance in the event your vehicle is stolen or damaged beyond repair.

Mechanical Breakdown Protection* (MBP)
Protection that extends beyond the manufacturer’s factory warranty and covers repairs of unexpected mechanical breakdowns.

HT Auto Auction
View and bid on pre-owned vehicles from Heritage Trust through Title Auctions.

TruStage™ Auto and Homeowners Program**
Exclusively for credit union members, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free Auto or Home Insurance quote today or call (855) 483-2149.

Third Party Link Disclosure 

*Please review our Privacy Policy for additional information on Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) provided by Allied Solutions.
** TruStage™ Auto and Home 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.

Insurance and warranty products are not products of Heritage Trust Federal Credit Union; and are not obligations of or guaranteed by Heritage Trust Federal Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member’s choice; and Heritage Trust Federal Credit Union makes no representations as to the services of any provider.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.