Vehicle Loans

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.

Financing Benefits

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

Want to earn 1% cash back on a refinance?

Financing Available on Used or New Vehicles

  • Autos
  • Motorcycle
  • Boats
  • ATVs
  • Small watercrafts
  • RVs or motor homes
  • Snowmobiles
  • and more …

Auto Link is where members can do all of their car buying research in one secure place. Search millions of vehicles, take a virtual test drive, pull vehicle history reports and even apply for a loan without leaving your credit union’s website.

Loan Protection

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

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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.

Click on the document icon below to 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.



Pays off loan balance if borrower passes away



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


Involuntary Unemployment

Your loan payments are covered if a job loss happens.


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.

MRC protection

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.

Click on the document icon below to 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

Our 85th Annual Meeting will be held on Tuesday, June 30th at 7 PM at our Moraine branch. HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are now open. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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