Fast & affordable vehicle loans in Wisconsin: Get approved in minutes!
Competitive low rates designed for you - with fast approvals and local service.
Auto Loan Rates
See rates & terms
Promo rate (.50% Discount)
36 months
As low as
4.74
%
APR**
Regular rate
36 months
As low as
5.24
%
APR*
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Affordable payments
You can choose between a number of loans with different term and rate options so you can select the payment plan that fits your budget.
Easy application
Thanks to our quick and easy online application, you can apply when and where it is most convenient for you.
Fast approval
Never miss an opportunity to buy your dream vehicle. Heartland's quick application review and approval process helps you complete your purchase sooner.
Guaranteed Asset Protection (GAP)
You can add extra coverage to protect you financially in the instance of a vehicle theft or major accident, often at a lower cost than what is offered at dealers or other financial institutions.
Learn more
Mechanical Repair Coverage (MRC)
You can add affordable coverage to help off-set the costs of mechanical breakdown repairs. You'll likely pay less than what other places charge for the same protection.
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Rate comparison
Based in Madison, WI, DataTrac helps you compare the best rates available for new or used vehicle loans helping you save time and money during the shopping process.
What Our Members Say
My husband moved his auto loan to Heartland because I have been going here for years and everyone is so friendly and helpful in any situation.
I've belonged to credit unions for many years. Joining Heartland was quick and easy. I look forward to HCU meeting my needs here in Wisconsin.
A big thank you! Santino was superb to work with! He was able to help me fix my truck at a much lower rate than using my credit card.
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1
Complete an application
Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.
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2
Get approved
We will review your application and quickly inform you of your approval status.
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3
Purchase your vehicle
Once approved, use your loan funds to purchase a new or used vehicle, and then manage your loan payments directly through digital banking.
Have a question?
Come meet our amazing team. As a trusted credit union in the area, we can help you find home equity loans in Wisconsin that match your needs.
Meet Our Team
Save more of your hard-earned money
With multiple loan options to give you low monthly payments and flexible terms, buying a new or used vehicle is more possible than ever.
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**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months.)
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Rates
| Term | APR as low as* | Promo APR as low as ** |
|---|---|---|
|
Up to 36 months |
|
4.74 |
|
37 - 60 months |
|
5.25 |
|
61 - 72 months (Min. $20,000) |
|
5.49 |
|
73 months or greater (Min. $30,000) |
|
6.49 |
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: 5.24% – 17.49% (2024 and newer), 5.74% – 18.49% (2023 – 2016), 7.24% – 19.99% (2015 - 2010), 11.49% – 20.49% (2009 and older), and 7.49% – 19.99% (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $30.08 (2024 and newer), $30.30 (2023 – 2016), $31.10 (2015 – 2010), $32.97 (2009 and older), $31.10 (other recreation vehicles 2016 and newer), per $1,000 for 36 months. **APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months)
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2014 to 2021) Rates
| Term | APR as low as* |
|---|---|
|
Up to 36 months |
|
|
37 - 60 months |
|
|
61 - 72 months (Min. $20,000) |
|
|
73 months or greater (Min. $30,000) |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. 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. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2013 and older) Rates
| Term | APR as low as* |
|---|---|
|
Up to |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. 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. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Recreational Vehicles: Snowmobiles | ATVs | Campers (2014 and newer) Rates
| Term | APR as low as* |
|---|---|
|
Up to 36 months |
|
|
37 - 60 months |
|
|
61 - 72 months (Min. $20,000) |
|
|
73 months or greater (Min. $30,000) |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. 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. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
All features
Low rates
We are proud to offer lower rates than other credit unions or banks to help you better afford your vehicle.
Terms up to 84 months
You can have greater control over how much you pay each month with our flexible term options.
AutoSmart
You can make car shopping even easier by using AutoSmart to digitally compare options from a trusted resource.
Financial coaching
Heartland offers financial coaching services so you can learn more about resources and best practices to stay in control of your financial health while paying off your auto loan.
Payment options
You can make individual payments online or set up automatic transfers to help you find the most flexible, successful payment method for your loan.
Personal service
You can call a representative to access reliable, friendly service when you have questions about your loan.
Pre-approval option
We can help you get pre-approved for a loan through Heartland so you can more confidently negotiate your vehicle price when shopping.
Tax, title, licensing for third-party purchases
You can skip the DMV and work directly with us to help you with these services, saving you energy and time from your busy schedule.
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