Here to help you get your new ride
Whether you’re shopping for your dream car or looking to refinance your current auto loan, we are here to help. We offer competitive rates, flexible payment options and a variety of loan terms so all you have to worry about is planning your next road trip.
Plus, we drop your auto loan rate by 0.25% APR when you set up automatic payments through your Heartland Checking account (rates quoted on this website include 0.25% discount). It’s a no-brainer—save money and never worry about remembering to make your monthly payment again.
Variety of loan terms
Terms range from two to seven years based on vehicle age and auto loan amount.
Low competitive rates
So you can get the car you’ve always wanted.
0.25% loan discount
Available when you set up automatic payments through your Heartland Checking account.
Type Model Year APR*(as low as) Terms New & Used Autos*** 2023-2016 2.99% Up to 2 Years New & Used Autos*** 2023-2016 3.29% Up to 3 Years New & Used Autos*** 2023-2016 3.39% Up to 4 Years New & Used Autos*** 2023-2016 3.59% Up to 5 years++++ New & Used Autos*** 2023-2016 3.79% Up to 6 years New & Used Autos*** 2023-2016 4.49% Up to 7 years**** Older Used Auto*** 2016 & older 3.49% Up to 2 years Older Used Auto*** 2016 & older 3.49% Up to 3 years Older Used Auto*** 2016 & older 3.99% Up to 4 years
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on collateral, home equity closed end, and signature loans. Add .25% without auto pay. These rates are in effect as of 10/1/2022 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.
****Term good for loans of $35,000 or more.
++++ An example of a 5-year fixed rate monthly payment at the quoted rate would be 60 monthly payments of $17.79 per $1,000 borrowed.
Yes. If you set up your payments to automatically come from your Heartland Checking account you’ll receive a .25% discount on your loan rate.
You can pay off your auto loan at anytime without any fees.
Typically pre-approvals last up to 90 days
It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping. Plus, you’ll have an estimate of your loan payment for budgeting and when you find the vehicle you want you can purchase it faster.
We can deposit the funds to your Heartland account, provide an official check or wire funds out.
You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you’ve applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.
Take the wheel
Hit the road with the help of our competitive new and used auto loan rates and flexible terms at Heartland Credit Union.
I have been a Heartland Credit Union member for over 20 years and it's always been a great experience!
Looking for extra help on your auto loan?
Built for life on the go
Manage your money anytime, anywhere with Heartland Free Mobile Banking.