Sometimes you need a little extra cash
With a personal loan from Heartland, you can easily apply to get the funds you need for almost any purpose.
Today's Personal Loans rates
View rates60 months
As low as
Fixed rates
Personal loan rates are fixed, so your monthly payment will not change, making it easier to budget and repay your loan.
Use for any purpose
Purchase an older vehicle, consolidate debt, pay for vacation expenses, or more with a personal loan. You can use the funds for nearly anything!
Manage with digital banking
View your loan balance and make payments directly in digital banking on your phone or computer. It's easy to manage your loan when you're on the go.
Easy application process
With our online application, you can apply whenever and wherever it is most convenient for you.
Flexible terms
Choose a monthly repayment amount that is most budget-friendly for you. We offer flexible repayment terms of 36-60 months.
Competitive rates
Competitive interest rates can help you save money over the lifetime of your personal loan.
Have a question?
Come meet our amazing team. We can help you with vehicle loans, personal loans, and home equity loans.
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
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.
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.
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1
Click the Apply for a Loan button
Discuss with us your needs.
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Get approved
We will review your application and notify you of your approval.
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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.
You can count on us when you need a loan
From consolidating debt, covering a medical bill, and more, you can use a personal loan to help pay for variety of expenses.
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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.
Rates
Personal Loan rates
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Kwik Cash Line of Credit |
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Personal Loans |
Up to |
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Rates effective as of: February 20, 2025
*All rates are based on credit history. 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.
MasterCard Credit Card rates
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Mastercard |
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Rates effective as of: February 20, 2025
*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (8.50% as of July 26, 2023), plus or minus a margin, and could be as low as 13.50% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first.
All features
No collateral needed
This loan is based on your credit-worthiness, so you do not need to have collateral in order to receive the funds you need.
Customize amounts
You have flexibility in the amount you can receive, allowing you to get enough funds to cover your needs.
No annual fee
In addition to your interest payments, you can save money because there is no annual fee on your loan.
Multiple repayment options
You can select a monthly repayment amount that fits your financial situation, making paying off your loan a stress-free experience.
Reported to credit bureaus
The more you pay on-time, the more likely your credit score will rise as a result.
Digital alerts
You can make managing your loan easier by setting up text, email, or push notifications about your loan, such as payment due dates, balances, and more.
Apply for a loan
Set up an appointment
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