Ride into the holidays
Limited-time Black Friday auto loan rates as low as 4.74% APR.
Special Black Friday rates as low as 4.74% APR*
Limited time: Nov. 24 - Dec. 2, 2025
Whether you’re dreaming of the perfect holiday gift or seriously searching for your next set of wheels, Heartland Credit Union makes it easy to turn that wish 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. This season, give yourself the gift of a car you love.
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 4.74% 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.
APR*
APR*
APR*
Find your next vehicle with AutoSMART
Browse local dealer inventory, read reviews, and apply for your loan—all in one place.
Celebrate the season the Heartland Way.
Make the most of every dollar—and every moment. From high-yield certificates to holiday-friendly perks, we’ve got everything you need to wrap up the year with confidence and cheer.
Have an HCU representative contact you about your next auto loan.
*Annual Percentage Rate. Membership required. Assumes a credit score of 725+ on a new to HCU secured loan, 2021 or newer vehicle with less than 130,000 miles, and auto-pay. For example: A $20,000 loan at 4.74% APR would require 60 monthly payments of $375.05 per month. Other rate and terms available. Offer ends 12/02/25.
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