More from Your Car Loan

Don't settle for less when it comes to your auto loan. At Heartland Credit Union, we go the extra mile to find the auto loan that’s right for you. Whether you're refinancing a non-HCU auto loan or buying a new or used car, HCU offers personalized loan solutions with affordable rates, flexible terms, and monthly payments that fit your budget. It’s the Heartland Way.

Refinance your current vehicle and you could save money every month, or take cash out for a vacation or just about anything you need. Our flexible terms make it easy.
Before you buy, get pre-qualified. Calculate your loan payment and apply online to know your rate before you get to the dealership, so you can focus on your new car, not the car loan.
We make finding your next car, truck, or SUV stress-free.  Our AutoSMART tool lets you search area dealer inventory, checkout dealer reviews, and apply for financing, all in one place.
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Auto Loans Features

  • Purchase rates as low as 6.24% APR for up to 60 months
  • Refinance rates as low as 5.74% APR for up to 60 months
  • Flexible terms up to 84 months
  • 100% financing available to qualified borrowers
  • Instant online approval
  • On-site financing. Request HCU financing at the dealership
  • Start searching for your next vehicle today.

Ready to Get Started?

Apply online today or visit one of our convenient branch locations to speak with a loan expert. We’re here to guide you through every step of the process.

Have an HCU representative contact you about your next auto loan.

Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Annual Percentage Rate. Membership required. Limited time offer. Assumes a credit score of 725+ on a refinanced, new to HCU $20,000 fixed, secured loan, 2020 or newer vehicle with less than 130,000 miles, less than or equal to 100% LTV, and HCU checking with direct deposit. For example, a $20,000 loan at 5.74% APR would require 60 monthly payments of $384 per month.

**Annual Percentage Rate. Membership required. Limited time offer. Assumes a credit score of 725+ on a new to HCU $20,000 fixed, secured loan, 2020 or newer vehicle with less than 130,000 miles, and HCU checking with direct deposit. For example, a $20,000 loan at 6.24% APR would require 60 monthly payments of $389 per month.