Lock in the Savings

An auto loan from HCU can take you almost anywhere.

Auto Loans

At Heartland Credit Union, we’re here to help you lock in the savings with rates as low as 4.99% APR*. HCU is the key to a stress-free buying process. We offer instant online approval, or you can even request HCU financing at the dealership.

Find the auto loan that’s right for you. HCU offers personalized loan solutions with low rates, flexible terms, and monthly payments that fit your budget.
Don’t let your credit score stand in the way of your new car. We’ll go the extra mile to help you reach your goals and get on the road in your new ride.
We make finding your next car, truck, or SUV stress-free.  Search area dealer inventory, checkout dealer reviews, and apply for financing, all in one place. 
Auto Loan Rates
48 Month as low as
4.99
%
APR
60 months as low as
5.24
%
APR
72 Months as low as
5.49
%
APR
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Auto Loans Features


  • 100% financing available to qualified borrowers
  • Rates as low as 4.99%* APR
  • Instant online approval
  • Terms up to 84 months
  • Onsite financing. Request HCU financing at the dealership
  • Start searching for your next vehicle today
Apply online, visit your nearest branch, call our eBranch at 800.428.8472, or video chat via the Heartland Connections app.

*Annual Percentage Rate. Membership required. Limited time offer. Assumes a credit score of 725+ on a new to HCU $20,000 fixed, secured loan, 2018 or newer vehicle with less than 130,000 miles, and HCU checking with direct deposit. For example, a $20,000 loan at 5.49% APR would require 72 monthly payments of $327 per month.  
Apply Now

Have an HCU representative contact you about your next auto loan.