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Auto Loans

Cars, trucks, RVs, motorcycles  and more … we can finance it!

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Did you know 52% of car buyers don’t know what kind of vehicle they’re looking for before they visit the dealership? Don’t hit the car lot without doing your homework! Robin and Jamie have some great tips to get started.

Vehicle Loans

Rates as of September 1, 2021 and are subject to change without notice.
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2020 and newer)APR as low as*
Up To 36 months1.99%
37 - 60 months2.49%
61 - 72 months (Min. $20,000)2.99%
73 to 84 months or greater (Min. $30,000)3.99%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2012 to 2019)APR as low as*
Up To 36 months2.74%
37 - 60 months2.99%
61 - 72 months (Min. $20,000)4.24%
73 to 84 months or greater (Min. $30,000)5.24%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2011 and older)APR as low as*
Up to 60 months7.99%
Recreational Vehicles: Snowmobiles • ATVs • CampersAPR as low as*
Up to 36 months4.24%
37 - 60 months4.24%
61 to 72 months (Min. $20,000)5.24%

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1 APR = Annual Percentage Rate. Auto Rates 1.99% – 18.74% APR. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of September 1, 2021. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $28.64 per $1,000 (payment example is based on 1.99% APR and a term of 36 months).
2 Interest will accrue during 90-day no payment period. Your first payment(s) could be applied to interest only based on the amount owed and rate at the time of loan. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval.
3 1% cash back rebate offer is valid when refinancing a car, truck, motorcycle, boat or motor home loan to Heartland Credit Union from another financial institution. The rebate will be 1% of the total amount financed, with a maximum cash back rebate of $200 per vehicle loan refinanced. In order to qualify for the 1% cash rebate, the vehicle must be funded on or after July 1, 2021. Minimum loan amount is $10,000. Existing Heartland Credit Union loans are not eligible for this refinance promotion. Certain creditworthiness criteria apply for loan approval.

Interest Rates Certified by Datatrac

Wheels!

Use our custom tool to research cars, trucks, RVs and more

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Do Your Homework

Don’t hit the car lot without doing your homework!

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Get Pre-Approved

There are a lot of great reasons to get pre-approved before you shop for your new ride.

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