Apply for a Loan

Face-to-face, over the phone, or online. Whichever way you choose to apply for your loan, Heartland assures you prompt and personal service. We know many people find it difficult to apply for a loan during normal business hours, so we provide options to apply for a loan 24 hours a day — when you have the time.

Apply for Consumer Loans and Credit Cards

• Apply for a loan or credit card securely online
• Apply by Phone 24/7 at 800.897.4748
• Complete a loan application to return to a loan officer
• Complete a credit card application to return to a loan officer  
• Apply by Phone during business hours with a loan representative at 937.294.1991 or 800.543.9696

Apply for a Student Loan

• Apply for a Loan Securely Online
• Apply by Phone M-F 8:30 A.M. to 4:30 P.M. EST at 877.458.8285