Heritage is the turnkey indirect leasing program built for credit unions — 100% residual value protection, lower fees, and faster funding through our proprietary LoanSwift™ platform.
We remove the single biggest barrier to credit union leasing — residual risk — and hand you a modern, lower-cost program your members will love.
Heritage owns the vehicle; your credit union is the lienholder. At lease-end we reimburse the full residual regardless of market conditions. You carry zero residual exposure.
Automation and disciplined operations — not layers of overhead — let us keep partner fees among the lowest in the industry, passing better value straight to your members.
Our proprietary platform automates funding-package review, flags documentation issues, and accelerates dealer funding — faster, cleaner cycles with full lender control.
Our leadership has set, monitored, and managed residuals across multi-billion-dollar lease portfolios. That discipline is exactly what makes our guarantee sustainable.
A Heritage lease looks and behaves like a secured auto loan on your balance sheet — with the residual exposure removed entirely.
Franchise dealers submit at the point of sale through their existing DealerTrack / RouteOne workflow — nothing new to learn.
We own the vehicle, process funding via LoanSwift, manage residual risk, and guarantee 100% residual reimbursement to your CU.
You're the lienholder, funding the deal and earning interest income on a secured asset — with zero residual risk at lease-end.
From the first application to the final residual reimbursement, Heritage handles the heavy lifting so your team doesn't have to.
Dealer submits the lease application to your CU via DealerTrack or RouteOne.
Your loan origination system evaluates and approves — your judgment stays in control.
The dealer submits the full funding package through LoanSwift for faster, cleaner review.
Once the package is verified, your CU funds the dealer and the deal goes live.
The member pays your CU monthly; Heritage tracks the account through maturity.
We engage the member 180 days out — return, buyout, or extend — and handle disposition.
After return or buyout, Heritage reimburses your credit union the full residual value. Your exposure is fully resolved — every time.
LoanSwift standardizes how deals move from approval to funding — faster, cleaner, and with full operational oversight. It automates the repeatable work that slows funding teams down while preserving every lender decision.
Document intake, classification, extraction, and validation — no inbox juggling or spreadsheet tracking.
Live deal visibility with clear ownership and a defensible, time-stamped audit trail by design.
Approvals, exceptions, and final authorization remain entirely with your team — the platform supports judgment, never replaces it.
Lender-defined rules and permissions fit cleanly into existing operations — no rip-and-replace implementations.
Traditional leasing providers are weighed down by legacy systems, high overhead, and manual processes. Heritage operates differently.
Exploring ways to grow auto portfolio yield and deepen member relationships — without taking on new risk? Send us a note and we'll be in touch.
Prefer email? Reach us directly at info@heritageautoleasing.com.