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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 deliver value to our members, not shareholders.

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Real people.

You can apply online, but you can always talk to someone who actually knows your name.

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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 memebrs all across 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 Months 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

*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.