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Personal Signature Loans

Just a signature will do

Get money quickly and easily with Personal Signature loans.

  • Overview

    Borrowing made easy

    Buy that new couch and take that beach vacation with our Personal Signature loans. All we require for security is your signature. Sound too good to be true? We promise you it’s not.


    Loan rate discount

    Earn a 0.25% loan rate discount when you set up automatic payment from your Heartland Checking.

    Competitive rate

    Take advantage of these convenient signature loans at a great rate.

    Easy payment options and terms

    Easy payment options and terms up to five years.

  • Calculator

    Calculate your monthly payment

    Estimated Monthly Payment

    How much would you like to borrow?
    Interest Rate
    Loan Length in Years
  • Rates
    Rates Effective as of: 12-01-2021
    Signature Loan***As low as 9.24%Up to 5 Years
    Holiday Loan+* - $500-$2,500As low as 4.99% APR*12 months
    Visa Platinum, Student & Business+++++As low as 8.90% Variable APR* Revolving Line
    Visa Platinum Rewards+++++As low as 9.90% Variable APR*Revolving Line
    Visa Signature+++++ As low as 11.90% Variable APR*Revolving Line
    Share Secured (minimum rate 3.00%)2.00% over share rateUp to 5 Years
    CD Secured (minimum rate 3.00%)2.00% over CD rateUp to 5 Years
    Ready Cash Plus15.00%Revolving Line

    *APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on collateral, home equity closed end, and signature loans. Add .25% without auto pay. These rates are in effect as of 9/1/2021 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.

    +* APR is Annual Percentage Rate. Offer valid 11/2/21-12/31/21 and subject to change without notice. Actual rate may vary based on credit history. Loans currently financed with Heartland do not qualify. Qualifying term is 12 months. $500-$2,500 max loan amount. Payment on a 12 month loan at 4.99% APR is $42.89 per $500 borrowed. Rates quoted include a .25% discount for Automatic Payments from a Heartland Checking account. Qualifications apply. Must meet membership qualifications.

    +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-8.90%-12.90% APR. Visa Platinum Rewards-9.90%-13.90% APR. Visa Signature -11.90%-15.90% APR. These APRs are variable and based on your credit worthiness and uses the Wall Street Journal Prime rate as its index. Rates are subject to change semi-annually.

  • FAQs
    • You can pay off your signature loan at anytime without any fees.

    • 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.

    • 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 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.

    • We can deposit the funds to your Heartland account, provide an official check or wire funds out.

The online application was easy to fill out and having the interest rate come up as soon as it was submitted was a pleasant surprise.


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Make your loan payments and manage your money anytime, anywhere with Heartland Free Mobile Banking.

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