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Personal loans

You can count on us when you need loans for an emergency and more

From consolidating debt to covering a medical bill, you can utilize any of our available personal loans in Wisconsin to help pay for a variety of expenses. Today's personal loan rates 60 months as low as 11.49%APR*

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Fixed rates

Lock in peace of mind with fixed monthly payments that stay consistent, making it easier to budget and achieve your financial goals.

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Use for any purpose

Whether it's consolidating debt, funding a dream vacation, or upgrading your vehicle, our personal loans are your flexible solution for life's big plans.

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Manage with digital banking

Take control of your loan with secure, on-the-go management. Track balances, schedule payments, and stay on top of your finances—anytime, anywhere.

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Easy application process

Start your journey in just minutes with our simple online application. Apply when it works for you and get closer to your goals—hassle-free.

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Flexible terms

Choose repayment terms that fit your budget and lifestyle. With options from 36 to 60 months, you have the freedom to pay at your pace.

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Competitive rates

Save more over time with rates designed to work for you. Enjoy competitive interest rates that keep your financial goals within reach.

Estimate your monthly payment

Let's see what your monthly payment could be. View rates

Monthly Payment

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We moved earlier this year before selling our other house. Paying two mortgages has been challenging. We got a personal loan, with no problem, to keep us on track.

— Carl W., Madison, Member Since 2010

Madison

Have a question?

Come meet our amazing team. We can help you with vehicle loans, personal loans, and home equity loans.

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Experience peace of mind

Protect your finances in the face of unforeseen circumstances. You can rest easy knowing that payments on your loan will still be made if you have a sudden life challenge.

Apply for a loan
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How it works

In a few steps, you can be approved for and use a personal loan to help with your unique expenses.

  • 1

    Click the Apply for a Loan button

    Discuss with us your needs.

  • 2

    Get approved

    We will review your application and notify you of your approval.

  • 3

    Use your funds

    After approval, you can use the funds deposited into your account for your expenses. Digital banking makes it easy to pay on your personal loan.

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  • *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 8.5% as of July 26, 2023. See Heartland for more information including different rates & some fees.

We are aware of a current text message scam. Please know Heartland will not text you a link to click on. Contact us to verify any questionable texts.