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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.
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Rates
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Rates Effective as of: 04-27-2025Type APR* Terms Signature Loan*** As low as 12.29% Up to 5 Years Visa Platinum, Student & Business+++++ 10.90%-14.90% APR* Revolving Line Visa Platinum Rewards+++++ 11.90%-15.90% APR* Revolving Line Visa Signature+++++ 13.90%-17.90% 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 4/1/2025 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.
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FAQs
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You can pay off your signature loan at anytime without any fees.
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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.
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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.
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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.
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We can deposit the funds to your Heartland account, provide an official check or wire funds out.
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Learn MoreSignature 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.
As soon as I was laid off due to Covid-19 I contacted Heartland, where I have two vehicles loans. They worked with me immediately and gave me 3 months no payments!
Randy
Built for life on the go
Make your loan payments and manage your money anytime, anywhere with Heartland Free Mobile Banking.
