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Auto Loan

Take the wheel

Open a new auto loan or move your current auto loan to Heartland and you'll walk away with $85*, in celebration of our 85th anniversary!

  • Overview

    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 0.50% APR when you set up automatic payments through your Heartland Checking account (rates quoted on this website include 0.50% 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.

    Competitive rates

    So you can get the car you’ve always wanted.

    0.50% loan rate discount

    Available when you set up automatic payments through your Heartland Checking account.

  • Calculator

    Calculate your monthly payment

    Estimated Monthly Payment

    How much is the car you want?
    Interest Rate
    Loan Length in Years
  • Rates
    TypeModel YearAPR*(as low as)Terms
    New & Used Autos***2024-20146.49%Up to 2 Years
    New & Used Autos***2024-20146.79%Up to 3 Years
    New & Used Autos***2024-20146.99%Up to 4 Years
    New & Used Autos***2024-20147.19%Up to 5 years++++
    New & Used Autos***2024-20147.49%Up to 6 years
    New & Used Autos***2024-20147.79%Up to 7 years****
    Older Used Auto***2013 & older7.79%Up to 2 years
    Older Used Auto***2013 & older7.79%Up to 3 years
    Older Used Auto***2013 & older7.99%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 auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 4/1/2024 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.

    ++++ Auto Loan: Example of a 5-year-fixed rate monthly payment at 7.19% APR would be 60 monthly payments of $19.96 per $1,000 borrowed.


  • FAQs
    • You can apply online, by calling us at (651) 451-5160 or (800) 813-9185 or by visiting a branch. We will need your original title, payoff information on your existing loan and your insurance information.

    • Yes. If you set up your payments to automatically come from your Heartland Checking account you’ll receive a .50% discount on your loan rate.

    • You can make your loan payments through Online Banking, Mobile Banking, Automatic Payments, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.

    • 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.

I have been a Heartland Credit Union member for over 20 years and it's always been a great experience!

Randy B.

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Auto Loan Disclosures

*Offer valid 4/1/24 – 5/31/2024 and subject to change. Offer valid on 2024-2014 new and used vehicles. Auto loans currently financed with Heartland do not qualify. Qualifying terms are 2-5 years. $85 bonus will be deposited into borrower’s Heartland account when the loan is finalized. Member is liable for any and all taxes associated with this bonus and may receive a 1099-MISC tax form from Heartland.