Lender profile
Heritage Usa
Lender Live rate observations
Heritage Usa at a glance
Heritage Usa is a lender based in Texas. LoanMate.ai tracks 2 published loan products from Heritage Usa (2 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.24% on Used auto loan. Its Used auto loan rate of 4.24% is 1.45 points below the national median of 5.69% (across 170 lenders publishing that product). Heritage Usa lends in Texas only.
Auto loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-USED | — | 4.24 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 10.68 | — | — | 2026-10-17 | Lender source ↗ |
How Heritage Usa compares
- #2 nationally for Used auto loan — 4.24% (of 170 lenders publishing it)
Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at Heritage Usa?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Heritage Usa is 4.24% on its Used auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Heritage Usa lend?
Heritage Usa lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Heritage Usa's Used auto loan rate compare nationally?
Heritage Usa publishes Used auto loan at 4.24%. The national median for that product is 5.69% across 170 lenders in LoanMate.ai's October 17, 2026 dataset, so Heritage Usa is 1.45 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.