Ready Cash Plus (Line of Credit)

Overview

Protect yourself from unexpected costs

Mistakes happen and life is full of unexpected events—we get it. With a Ready Cash Plus (Line of Credit Loan), you’ll always be prepared. So when you forget to enter that last purchase amount in your check register, the car repairs cost way more than you planned, or you’ve simply miscalculated, we’ll automatically transfer the funds from your Ready Cash Plus to cover you. Think of it as an extra layer of protection—this line of credit loan costs you nothing to have available, accrues interest only when you draw from it and can be paid off as quickly as you want to save on interest.

Cash when you need it

Revolving line of credit.

Flexible payment options

Make it work for you.

No early payment fees

Pay off your balance anytime to avoid additional days of interest.

Rates

Rates Effective as of: 12-26-2024

Type

APR*

Terms

Signature Loan***

As low as 12.29%

Up to 5 Years

Visa Platinum, Student & Business+++++

As low as 10.90% APR*

Revolving Line

Visa Platinum Rewards+++++

As low as 11.90% APR*

Revolving Line

Visa Signature+++++

As low as 13.90% APR*

Revolving Line

Share Secured (minimum rate 3.00%)

2.00% over share rate

Up to 5 Years

CD Secured (minimum rate 3.00%)

2.00% over CD rate

Up to 5 Years

Ready Cash Plus

15.00%

Revolving Line

*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 12/1/2024 and are subject to change.

***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined. Example of a 5-year-fixed rate monthly payment at 12.29% APR would be 60 monthly payments of $22.49 per $1,000 borrowed.

+++++ +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.

FAQs
Your payment will be automatically transferred to your loan from your Heartland checking account on the 28th of the month. You can also make your payments through Online Banking, Mobile Banking, 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.

Yes. You can pay down your Ready Cash Plus balance as soon as you’d like. The quicker you pay down the balance the less interest you’ll pay. If you want to payoff and close your Ready Cash Plus loan please contact us to get an accurate payoff amount.

You can transfer money from your Ready Cash Plus to your Heartland Checking or Savings account via Online Banking or Mobile Banking or call us at (651) 451-5160 or (800) 813-9185 and we can transfer it to your Heartland Checking or Savings.

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.

No, there are no fees to have it available in case you need it. You’ll only pay interest when you use it.

A Ready Cash Plus is best used as an emergency source of funds when you need it and overdraft protection, in case your Heartland Checking account doesn’t have enough funds in it to cover your purchases.

Ready Cash Plus (Line of Credit)

For when life happens

Protect yourself from unexpected costs

Cash when you need it

Flexible payment options

No early payment fees

Built for life on the go

Apply online in minutes.

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