Personal Loans

Sometimes you need money fast and our other loans just don’t seem to fit your needs. This is when we turn to a Personal Loan or Line of Credit. Our goal is to get you taken care of as quickly as possible, so you can relax and get on with the rest of your life. And with no collateral required, a loan can’t get much simpler.  It's a great way to consolidate debt from high-interest credit cards or simply combine other loans into one simple payment. At Heartland, we’re in the making people happy business.
It’s the Heartland Way.

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"You’ve been a lifesaver."
 - Dawn V.
   Member since 2016.

Learn more about our Personal Loan options for debt consolidation or anything you need

Signature Loan

Signature Loan

  • No collateral usually needed
  • Generally used for smaller loan amounts
  • No early payment penalty
  • Can be used for almost any purpose
  • Can be set up as a single payment term loan to fit your needs
Signature Loan
Express Line of Credit

Express Line of Credit

  • Access your line of credit inside HCU Online Banking
  • No collateral usually needed
  • Low variable interest, subject to change quarterly
  • Low monthly payments calculated on 36 months
  • Your line of credit is always available
Express Line of Credit
Personal Loan Rates
See all rates
Signature Loan
as low as
14.09
%
APR
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Express Line of Credit
as low as
10.50
%
APR
Apply Now

Have an HCU staff member contact you about a Personal Loan or Express Line of Credit

HCU understands customer's needs and are always ready to help.
Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Annual Percentage Rate. Membership Required. Loan approval and APR based on creditworthiness, length of loan term, ability to repay, and amount of loan, in additional to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice.

Fixed-rate Signature loan assumes a credit score of 725+ on a $7,500 unsecured loan, HCU Beyond Ultimate or Essential account with direct deposit, and auto pay. For example: A $7,500 loan at 14.09% APR would require 36 monthly payments of $255.39 per month. Other rates and terms available.

Variable-rate Express Loan assumes an opening balance of $5,000 over 3 years, HCU Beyond Ultimate or Essential account with direct deposit or HCU Visa credit card. For example: A $5,000 signature loan at 11.00% APR would require 36 monthly payments of $163.69.