Shift Into A Smarter Car Loan

Whether you're daydreaming behind a tablet steering wheel or seriously searching for your next set of wheels, Heartland Credit Union makes it easy to turn your dream car into a driveway reality. With competitive rates, instant online approval, and tools to help you shop smarter, our auto loans are designed to keep you in control from start to finish.

Find Your Next CarApply Online Today
Before you buy, get pre-qualified. Try our auto loan calculator and apply online to know your interest 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 car dealer inventory, checkout dealer reviews, and apply for auto financing, all in one place.
Find the auto loan that’s right for you. HCU offers personalized loan solutions with affordable rates, flexible terms, and monthly payments that fit your budget.
Auto Loan Rates
See all rates
48 Month as low as
5.24
%
APR*
Apply Now
60 months as low as
5.24
%
APR*
Apply Now
72 Months as low as
5.49
%
APR*
Apply Now
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Auto Loan Features

  • Rates as low as 5.24% APR*
    Lock in a low rate that fits your budget.
  • Flexible terms up to 84 months
    Choose the loan term that works best for your lifestyle and goals.
  • 100% financing available
    Qualified borrowers can finance the entire purchase—no down payment required.
  • Instant online approval
    Apply in minutes and get an answer fast. No waiting, no guesswork.
  • On-site financing at the dealership
    Already found your car? Just ask for Heartland Credit Union financing at participating dealers.
  • Start shopping smart with AutoSMART
    Browse local dealer inventory, read reviews, and apply for your loan—all in one place.

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.

Apply Now

Car Loan Purchase And Refinance Options

Michael Lizalde, AVP of Member Experience, talks about all the ways Heartland can help with an auto loan for purchasing a new or used vehicle or refinancing your current car loan. HCU offers personalized loan solutions with flexible terms and payments to fit your budget, and you can get pre-qualified before you walk into a dealership. Or take advantage of the equity in your current vehicle to refinance and use the cash for almost anything!

Want more information about how to take advantage of the equity in your vehicle? Read our blog article on when to refinance your car.

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 new to HCU $17,000 fixed, secured loan, 2021 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay. For example: A $20,000 loan at 5.24% APR would require 60 monthly payments of $379.63 per month. Other rate and terms available.