Your next ride starts here.
Find the car you want with an auto loan that fits your budget. Fast approval and great rates make it simple.
Auto loans built around you
Whether you’re upgrading your wheels or planning for the perfect fit, Heartland Credit Union makes it easy to turn that dream into reality. With competitive rates, instant online approval, and smart shopping tools, our auto loans keep you in the driver’s seat from start to finish.
Before you buy, get pre-qualified
Apply online and get pre-approved in minutes so you can shop with confidence.
Flexible financing options
Rates as low as 4.99% APR, terms up to 84 months, and 100% financing for qualified borrowers.
Instant approval and dealer support
Apply online in minutes or ask for Heartland financing at participating dealerships.
Auto Loan Rates
48 Month as low as
4.99
%
APR*
APR*
60 months as low as
4.99
%
APR*
APR*
72 Months as low as
5.24
%
APR*
APR*
Find your next vehicle with AutoSMART
Browse local dealer inventory, read reviews, and apply for your loan—all in one place.
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, 2022 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 4.99% APR would require 60 monthly payments of $377.33 per month. Other rate and terms available.
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