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Signature Loans

Just a signature will do

Get money quickly and easily with a signature loan to finance a home project, cover unexpected expenses, take a dream vacation and more.

  • Overview

    Borrowing made easy

    Pay for unexpected costs, make a major purchase and much more with a Signature loan. 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 0.50% loan rate discount when you set up automatic payment from a Heartland Checking.

    No collateral required

    A signature loan doesn’t require your home or car as collateral, just your signature.

    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: 02-28-2024
    Signature Loan***As low as 12.29%Up to 5 Years
    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 auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 2/1/2024 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.

    +++++ 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 .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.

    • 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.


Built for life on the go

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

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