Vehicle Loans
Rates as of January 3, 2022 and are subject to change without notice.
| New Car, Trucks, Motorcycles, Boats, and Motor Homes (2021 and newer) | APR as low as* |
| Up To 36 months | 1.99% |
| 37 - 60 months | 2.49% |
| 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 (2013 to 2020) | APR as low as* |
| Up To 36 months | 2.74% |
| 37 - 60 months | 2.99% |
| 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 (2012 and older) | APR as low as* |
| Up to 60 months | 7.99% |
| Recreational Vehicles: Snowmobiles • ATVs • Campers (2013 and newer) | APR as low as* |
| Up to 36 months | 4.24% |
| 37 - 60 months | 4.24% |
| 61 to 72 months (Min. $20,000) | 5.24% |
Personal Loans
| Kwik Cash Line of Credit | APR |
| Revolving ** | 14.75% |
| Personal Loans | APR as low as* |
| Up To 60 mos.* | 7.99% |
Heartland Credit Cards
| MasterCard** | Annual Fee | APR as low as* |
| Heartland MasterCard | $0 | 8.25% |
Additional Loans
| Home Mortgage Loans • Click here for more information |
| Home Equity Loans • Click here for more information |
| Business Loans • Click here for more information |
| Agriculture Loans • Click here for more information |
Apply Now
Or call 800.362.3944 during normal business hours.
Debt Counseling
Established in 1961, Consumer Credit Counseling Centers, Inc. (CCCC) is a nonprofit agency that provides free counseling and low-cost debt management programs to people experiencing financial difficulties. Contact them at 608.221.2811.
*APR = Annual Percentage Rate. All rates are based on credit history and other services you use. Please see an associate for details. Annual percentage rate (APR) can change at any time without notice. Normal lending policies apply.
**Variable rate programs based on prime, currently at 3.25%. See Heartland for more information including different rates & some fees.