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At Bayer Heritage Federal Credit Union, we have loans for all
your life plans. Whatever the objective from making home improvements
to building your dream house or buying the land for it; from funding
a college education to taking a vacation by land, sea, or mobile
home. Call us first to make good things happen.
And don't forget about refinancing! We can refinance many of
those high-priced loans you have at other financial institutions.
Here are the loans available for our members. Check out what
they offer.
Secured Advances
Our secured advances include:
- New and Used Auto Loans
- ATV Loans, Camper Loans
- Motorcycle Loans
- Motor Home Loans
- Farm Equipment Loans
- Travel Trailer Loans
- Watercraft Loans
- Stock Loans
- Aircraft Loans
- Mobile Home Loans
 Here are some great resources to help you shop:
Vehicle Financing Made Easy In South Carolina
 Vehicle Loans have just gotten easier in South Carolina, with Bayer HFCU financing now being provided right at the dealership. You shop for the vehicle you want and complete your loan, all under one roof and at our low credit union loan rates. Get quality brands, great rates and quick approvals. What could be better than that?
South Carolina dealers participating in this program:
- Marathon Chevrolet Summerville
- Marathon Chevrolet North Charleston
- Johnny’s Suzuki of Summerville
- Johnny’s Suzuki of Moncks Corner
- Johnny’s Subaru
- Johnny’s Truck and Auto
Check this list before you go shopping, then pocket the savings!
 
Other Advances
Our other advances include Personal/Signature Loans, which are:
- Purchase
- Refinance
- Home Equity Loans
- Home Equity Line of Credit Loans
- Secondary Market Mortgage Loans
- Unimproved Land Loans
- Apply Now
To request a Consumer Loan Application for a Vehicle or Personal
Loan, click
here.
You can apply for your Mortgage or Home Equity Loan, right here online with
myCUmortgage.
You can also apply from our Home page or Applications page. If you have any questions,
contact us.
You can apply online, in a secure environment with myCUmortgage. You can apply
for Mortgage and Home Equity Loans, 24 hours a day, 7 days a week from any computer.
Click
here to apply for your loan with myCUmortgage, now.
GAP - Guaranteed Auto Protection For The Unexpected!
Guaranteed Auto Protection (GAP) is a voluntary program that we offer for your new or used, loan or lease vehicle. GAP covers the difference in the balance on a car and its declared value in the event that it is damaged beyond repair or stolen and never recovered.
The insurance company only pays the actual cash value of the vehicle at the time of loss.
No matter how terrific a car is, the minute you drive it out of the show room it is worth less. Depending on where you live, the established market value could be less than the actual balance you owe on your car. With GAP, if your car is a loss, the deficiency will be covered.
GAP provides you with:
- All risk protection for new and used vehicles.
- Protection is provided for the term of your loan/lease up to 84 months.
- Deductible coverage up to $1,000.
- Minimal monthly cost.
- Protection effective with the execution of all documents.
When you are applying for your auto loan, ask about GAP. If you have questions, please call us. We'll be glad to explain.
 N.A.D.A. Official Car Guide
Get the best value for your dollar. Before you buy, check the value of the car you want in the N.A.D.A. Official Car Guide. Check out the car you want, now!
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