Vehicle Loans


* APR = Annual Percentage Rate. Based on loan amount of $10,000 financed at an interest rate of 2.40%, for a total of 60 months, the payment would be approximately $177.03. All loans subject to credit approval and interest rate is based on credit score, loan term, and vehicle details – some restrictions may apply. Gold Heartland Reward members qualify for a monthly rate rebate of 0.50% on qualifying loans. Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold Heartland Reward Members and $25 discount for Silver Heartland Reward Members). Federally Insured by NCUA. Equal Housing Opportunity.

* APR = Annual Percentage Rate. Based on loan amount of $10,000 financed at an interest rate of 3.40%, for a total of 60 months, the payment would be approximately $181.47. All loans subject to credit approval and interest rate is based on credit score, loan term, and vehicle details – some restrictions may apply. Gold Heartland Reward members qualify for a monthly rate rebate of 0.50% on qualifying loans (auto, boat, RV, motorcycle). Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold Heartland Reward Members and $25 discount for Silver Heartland Reward Members). Federally Insured by NCUA. Equal Housing Opportunity.

Defining what makes a vehicle depends on your preferred mode of travel – land, sea, all terrains, or just snow. Whatever your preference, Heartland can work with you and your budget to get you in the vehicle of your choice.

start your adventure

Financing Benefits on New or Used Vehicles

  • Auto Link Car Buying Service
  • No prepayment penalty
  • Pay your loan ahead
  • Enjoy a simple interest repayment schedule
  • Qualify for up to 125% financing
  • Take up to 84 months to repay on qualifying vehicles
  • Ask about our loan discounts

Loan Protection

To protect your investment, here are benefits you can add to your loan to protect you, your family, and your budget.

girl jumping gap

GAP (Guaranteed Asset Protection)

The second you drive your vehicle off the lot, it drops in value. If your vehicle is stolen or damaged and deemed a total loss, you’re responsible to pay the difference between what you owe Heartland FCU and what your insurance company says your vehicle is worth.

A GAP policy can cushion you against sudden out of pocket expenses.

Read complete details about our GAP program.

Debt Protection

Accidents or illness that result in long-term disability, the eventual loss of a job and income, or death can be devastating to a family’s financial situation. Your employer disability plan typically pays a percentage of the gross monthly income, which may be insufficient to maintain the income needed to pay all your debts and bills.

Here are features we can add to your loan to protect you, your family, and your budget.

01.

Death

Pays off loan balance if borrower passes away

02.

Disability

Your loan payments are covered if a disability occurs due to injury or illness.

03.

Involuntary Unemployment

Your loan payments are covered if a job loss happens.

04.

Learn More

Click on the document icon to the left to read complete details about our Debt Protections products.

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement to obtain a loan. Certain eligibility requirements, conditions and exclusion may apply. Please refer to the Debt Protection with Life Plus Member Agreement for a full explanation of the terms. If you cancel protection in 30 days, you will receive a full refund of any fee paid.

Repairs can be expensive. Car with a number of expensive mechanical issues.

MRC Can Limit Cost of Repairs

You depend on your car, but big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.

Read complete details about our Mechanical Repair Coverage.


REACH Financial Success Education

Car Loans

Buying a car is a big decision that may feel intimidating or confusing. This short, interactive learning experience reviews the steps, options, and resources involved in the process to help guide you in your selection and purchase:

  • Financing options
  • Buying vs leasing
  • Monthly payment calculations


Per CDC Guidelines, those who are vaccinated are not required to wear a mask.Review more COVID-19 related information
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