Last Updated: 04/18/2025
Heart of Louisiana Auto Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Variable APR)
4.50% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 84
Heart of Louisiana Auto Loans Review
Heart of Louisiana Auto Loans is offered by Heart of Louisiana Credit Union, a credit union founded in 1955 and based in Pineville, LA. Heart of Louisiana Auto Loans are available in 50 states and Washington, DC.
Heart of Louisiana Auto Loans FAQ
What APR does Heart of Louisiana Auto Loans offer on its car loans?
Heart of Louisiana Auto Loans offers a variable APR car loan product that ranges from 4.50% APR up to 18.00% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Heart of Louisiana Auto Loans?
Heart of Louisiana Auto Loans has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Heart of Louisiana Auto Loans charge an origination fee?
Yes, Heart of Louisiana Auto Loans may charge a loan origination fee .
Does Heart of Louisiana Auto Loans charge a late fee?
Yes, Heart of Louisiana Auto Loans charges borrowers with a late payment penatly fee
Does Heart of Louisiana Auto Loans charge prepayment fees?
Yes, Heart of Louisiana Auto Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Heart of Louisiana Auto Loans loan?
Yes, you can. However, Heart of Louisiana Auto Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Heart of Louisiana Auto Loans?
Heart of Louisiana Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Heart of Louisiana Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Heart of Louisiana Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
Does Heart of Louisiana Auto Loans report your account activity to credit bureaus?
Yes, Heart of Louisiana Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Heart of Louisiana Credit Union perform a hard credit pull?
Yes, Heart of Louisiana Auto Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Heart of Louisiana Credit Union a legit company?
Heart of Louisiana Credit Union was founded in 1955, it is a well-established company that has been in business for 71 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
8:00AM - 6:00PM
Saturday
9:00AM - 1:00PM