Meet the Newest Member of the Heartland Family

Whether you’re adopting a baby, improving your home, or planning a wedding, a personal loan from Heartland CU could help a lot.

Members Brandon and Heidi were shocked when they discovered the steep price tag for adoption--and they needed the money at a moment's notice. See how Heartland helped Brandon and Heidi make their adoption dreams come true, then read below for some tips on securing your own loan.  

Here are some suggestions for getting the loan you’re looking for:

Check your credit score. All lenders look at borrowers' credit histories so request a free credit score to see where you stand. If your score is a little low, waiting for six months and making on-time payments can help offset negative items in your history.

Be prepared.  Before you meet with a loan officer or apply online, be ready to answer some basic questions:

  • How much money do you need?
  • How long do you need it for?
  • How much collateral do you have and how much is it worth? 
  • What’s your salary? Will it be going up in the next few years?

Ask about options. There are lots of ways to borrow money, including personal loans, credit cards, and home equity lines of credit.  Talk to your Heartland representative about the option that makes the most sense for you.  We’re here to help – just stop by one of our convenient branch locations or give us a call at 800-362-3944.