Fast & Affordable Auto Loans – Get Approved in Minutes
Competitive low rates designed for you with fast approvals and local service.
Rates as low as 4.74% APR*
Auto Loan Rates
View all rates
Promo Rate (.50% Discount)
36 months
As low as
4.74
%
APR**
Regular
36 months
As low as
5.24
%
APR*
Instant Affordability Calculator
See how affortdable your new car can be.
Monthly Payment
Key Benefits
Low monthly payments
Manageable payments designed to fit your budget.
Fast approval
Get approved in as little as 24 hours.
Local service & protection options
Trusted local advisors with complete protection plans.
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.
-
1
Complete an application
Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.
-
2
Get approved
We will review your application and quickly inform you of your approval status.
-
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.
Protection Plans
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.
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.
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: October 30, 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: October 30, 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: October 30, 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: October 30, 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.
Apply for an auto loan
Set up an appointment
Virtual Appointment:
In-Branch Appointment:
Request Mortgage Appointment
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.