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Toy Loans

Finance your fun

For the kid in all of us, Heartland Credit Union makes financing your new “toy” (aka recreational vehicle) easy.

  • Overview

    Hit the waves, trails or road

    At Heartland we offer financing for titled toys such as motorcycles and boats, as well as untitled toys like four-wheelers, snowmobiles and personal watercraft. You’re never too old to have fun, and we’re here to help finance those well-deserved adventures with our toy loans. Plus, you’ll receive a 0.25% loan rate discount when you make your payment automatically from your Heartland Checking.

    Low competitive rate

    Same rate for new and used toy loans

    Variety of loan terms

    Range from three to ten years (based on age of toy)

    Flexible payment options

    Make it work for you

  • Calculator

    Calculate your monthly payment

    Estimated Monthly Payment

    How much is the toy you want?
    Interest Rate
    Loan Length in Years
  • Rates
    TypeModel YearAPR* (as low as)Term
    New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2021-20143.69%Up to 3 Years
    New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2021-20143.89% Up to 4 Years
    New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2021-20143.99% Up to 5 Years
    New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2021-20145.69%Up to 7 Years
    New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2021-20146.99%Up to 10 years****
    Older Recreational Vehicles*** (Motorcycles, boats & RVs)2013 & older5.69%Up to 3 Years
    Older Recreational Vehicles*** (Motorcycles, boats & RVs)2013 & older5.99%Up to 4 Years
    New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.)20213.99%Up to 4 Years
    Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.)2020 & older4.99%Up to 4 Years

    *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 7/1/2021 and are subject to change.

    ***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.

    ****Term good for loans of $35,000 or more.

  • FAQs
    • 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 .25% 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.

The loan officers are always easy to talk to and understand what I’m looking for. I’ve always had a great experience dealing with anyone at Heartland.


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