Toy Loans

Toy Loans are used to purchase Boats, Motorcycles, Jetskis, Snowmobiles, ATVs, RVs and Motorhomes.

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.

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

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.

Typically pre-approvals last up to 90 days

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

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.

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