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Auto loans as low as 4.99% APR*

Hit the road ready

Get pre-approved for your HCU auto loan in minutes and walk into any dealership knowing your rate, your payment, and your terms. No pressure. No surprises. Just confidence.

Get pre-approved

Have someone contact me instead.

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As low as 4.99% APR

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Fast online pre-approval

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Zero pressure or committment

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Local decisions. People you know

Most people find out their rate at the dealership. You don't have to.

Car shopping is one of the bigger financial decisions you'll make. Walking in with a pre-approved rate from HCU means you already know your budget, your monthly payment, and what you're working with before any of the details come up.

That kind of clarity makes the whole process easier. You spend less time working through numbers and more time focused on finding the right car.

That's the difference between shopping with questions and shopping with answers.

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You know your rate before you go. No surprises at the table.

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You control the conversation. Because you already have financing.

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You move faster. Pre-approval speeds up the buying process once you've found your car.

Hit the road ready arrow_forwardGet pre-approved

Three steps. Five minutes. Done.

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Apply online in minutes

Fill out a short online application. No paperwork, no branch visit required — though we're always happy to see you.

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Get your rate

We review your application and come back to you fast. You'll know your rate and what you're approved for before you set foot on a lot.

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Hit the road ready

Shop with confidence. When you find your car, we'll handle the financing and get you on the road.

Start your application

A credit union is built differently

HCU isn't a bank. We're a member-owned credit union, which means we answer to you, not to shareholders. That changes how we price our loans, how we treat your application, and how we show up when something doesn't go as planned.

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Competitive rates.

As low as 4.99% APR — because we're not padding rates to hit a profit margin.

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Real people.

You can apply online, but you can always talk to someone who actually knows your name. That's not a line. It's how we work.

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No surprises.

Clear terms. Transparent fees. What we quote is what you get.

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Local decisions.

We serve Hutchinson and Wichita areas, and Western Kansas. Your application is reviewed here, not routed to a call center somewhere else.

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Apply for your auto loan

Not ready to apply yet? That's fine.

Talk to someone at HCU before you start. Fill out the short form below and a member of our team will reach out. No pressure, no sales pitch.

Are you interested in a new or refinanced loan *

Still looking for the right vehicle?

Find your next vehicle with AutoSMART. Browse local dealer inventory, read reviews, and apply for your loan all in one place.

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Search thousands of vehicles from local dealers. New or used — all in one place.

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See real loan rates from Heartland before you ever step foot on a lot.

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Buy with confidence knowing your financing is backed by your credit union, not the dealership.

Find vehicles

Ready when you are.

Find the term that fits your budget. Whether you want to pay it off fast or keep payments low, we have options.

48 Month as low as
4.99
%
APR*
Apply Now
60 months as low as
4.99
%
APR*
Apply Now
72 Months as low as
5.24
%
APR*
Apply Now

Frequently Asked Questions

Membership & Eligibility
Yes — HCU auto loans are available to members. But joining is easy, and you can become a member as part of your loan application process. If you live, work, worship, or attend school in Reno County or our other service areas, you're likely eligible. Give us a call or stop in and we'll get you set up.
Membership at HCU is open to people who live, work, worship, or attend school in our service areas — including Hutchinson / Reno County, Wichita, Hays, and Western Kansas. You can start the process online or at any branch. Confirm eligibility criteria before launch.
Existing members can apply online in minutes. Your history with HCU may even work in your favor during the review process.
Rates & Terms
HCU auto loans are available as low as 4.99% APR. Your actual rate depends on your credit history, loan term, and the vehicle you're financing. Getting pre-approved is the fastest way to see your exact rate. Confirm rate and disclosure language with compliance.
HCU offers a range of loan terms to fit different budgets and goals. Shorter terms mean lower total interest paid; longer terms mean lower monthly payments. A member of our team can help you figure out which term makes the most sense. Confirm available terms before launch.
Your pre-approval reflects your rate at the time of application. Rates are subject to change and your final rate may depend on the specific vehicle and final loan details. We'll walk you through everything clearly before you sign anything. Confirm rate lock policy with lending team.
We believe in transparency. Any applicable fees will be clearly disclosed before you finalize your loan — no hidden costs, no surprises at closing. Confirm fee disclosure policy with compliance.
Yes. If you're carrying an auto loan at a higher rate — whether through a dealership, another bank, or a different credit union — you may be able to refinance with HCU and lower your monthly payment. It's worth a quick conversation to see if the numbers make sense.
The Pre-Approval Process
The online application takes about five minutes. Once submitted, a member of our team will review it and follow up with your rate and approval details. Confirm typical turnaround time with lending team.
You'll typically need some basic personal and financial information — things like your income, employment status, and the vehicle you're considering if you already have one in mind. You don't need to know the exact vehicle to get pre-approved. Confirm required fields with lending team before launch.
Applying for pre-approval involves a credit inquiry, which may have a small, temporary effect on your credit score. If you're comparison shopping, multiple auto loan inquiries within a short window are typically treated as a single inquiry by most credit scoring models. Confirm hard vs. soft pull policy with lending team.
No. Pre-approval gives you time to shop without pressure. There is an expiration window on your pre-approval, so check with your HCU contact if you're planning to take more than a few weeks. Confirm pre-approval expiration policy.
Yes, and we'd encourage it. Knowing your budget and rate before you shop makes the whole experience easier. You can figure out the vehicle details later — the pre-approval gets you ready to move when you find the right one.
New vs. Used / Vehicle Questions
Yes. HCU auto loans are available for both new and used vehicles. Rates and terms may vary depending on the age and mileage of the vehicle. Confirm vehicle age / mileage limits with lending team.
In many cases, yes. Private party auto loans have some additional steps compared to dealer purchases. Reach out to us before you finalize a private sale and we'll walk you through what's needed. Confirm private party loan policy with lending team.
Getting pre-approved with HCU first gives you the most flexibility at a dealership. You're not required to use dealership financing — and having your own rate often puts you in a stronger position at the negotiating table.
General
Yes. You can start your application right here on this page. If you'd prefer to talk to someone first, use the contact form below and a member of our team will reach out.
A member of our lending team will review your application and follow up with your rate, approval status, and next steps. We keep the process clear and move as quickly as we can. Confirm follow-up timeline with lending team.
We have branches in Hutchinson, Wichita, and Hays. You're welcome to start the process online and finish in person, or handle the whole thing digitally — your call. Confirm full branch list for footer or branch finder link.
Yes. HCU is federally insured by the NCUA (National Credit Union Administration). Your deposits are protected up to $250,000.
Apply for your auto loan

*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.