Lending Solutions for Everyday Life

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OnSpot Logo ImageExperience the ultimate in convenience with on-the-spot credit union financing.

When it comes to retail shopping, it's all about convenience. No one knows this better than Heartland Credit Union and OnSpot Financing. We'll help you receive financing from HCU right on site at local stores, doctors, dentists, merchants, and more.

No Delays:  Buy what you want, when you want.

Right Here, Right Now: Loan decisions can be made after branch hours.

Competitive Loans: HCU offers competitive rates and terms.