Refinance a Car Loan in Janesville, Rock County, and Southern Wisconsin

If you have a car loan with another lender, Heartland Credit Union can refinance it. Heartland is a Madison-based credit union, founded in 1936, with 12 branch locations across southern Wisconsin plus a Digital Branch, including a Janesville branch in Rock County and locations in Dane, Iowa, and Grant counties. Right now, Heartland pays a 1% cash-back rebate, up to $200, when you refinance a vehicle or recreational vehicle loan held by another lender. You can apply online or in person. Heartland publishes its current vehicle loan rates on its rates page. Here is what the offer includes, who qualifies, and where to go.

Heartland's vehicle refinance offer at a glance

Heartland's current refinance incentive is simple. Move a vehicle or recreational vehicle loan from another lender to Heartland, and you earn 1% of the total amount financed back in cash, up to $200 per loan. The rebate is deposited to your account within 30 days of funding. The minimum loan amount is $5,000, and loans already held at Heartland are not eligible.

Cash-back rebate: 1% of the total amount financed, up to $200 per loan, deposited within 30 days of funding.

Eligible loans: Vehicle and recreational vehicle loans currently held by another lender; $5,000 minimum loan amount; existing Heartland loans not eligible.

Where to apply: Online or at any southern Wisconsin branch.

Current rates: Published on the Heartland rates page.

Heartland finances cars, trucks, motorcycles, boats, and motor homes, plus recreational vehicles such as snowmobiles, ATVs, and campers. The cash-back offer has its own terms, so check the current details on the vehicle refinance cash-back page before you apply.

Loans subject to credit approval. Membership eligibility required. Heartland may end this offer at any time; offer terms are current as of June 10, 2026. See the vehicle refinance cash-back page for current details.

Who can refinance with Heartland Credit Union

Heartland membership is open to people who live, work, worship, or attend school in southern Wisconsin, as well as immediate family members of current members. That covers the Janesville and Rock County area along with the rest of Heartland's branch footprint in Dane, Iowa, and Grant counties.

To qualify for the refinance offer itself:

Your current vehicle loan must be held by another lender. Loans already at Heartland are not eligible.

The new loan must be at least $5,000.

Eligible collateral includes cars, trucks, motorcycles, boats, and motor homes, with model years from new through 2010 and older. Recreational vehicle loans, such as campers and ATVs, also qualify for the cash-back offer.

If you are not yet a member, you can join when you apply: membership can be established as part of the loan application, with a minimum $5 share deposit.

Southern Wisconsin branch locations for vehicle refinancing

Heartland Credit Union operates 12 branch locations across southern Wisconsin, plus a Digital Branch. Every branch can be reached at (800) 362-3944. The Janesville branch serves Rock County from inside SSM St. Mary's Hospital; enter through the main hospital entrance, and the branch is to the left across from the cafeteria, with lobby hours on Tuesday and Thursday from 9:00 a.m. to 5:00 p.m.

Janesville (Rock County)
3400 E Racine St., Janesville, WI 53546, inside SSM St. Mary's Hospital

High Crossing Boulevard (Home Branch, Dane County)
5325 High Crossing Boulevard, Madison, WI 53718

East Washington Avenue (Dane County)
3394 E. Washington Avenue, Madison, WI 53704

Williamson (Willy) Street (Dane County)
944 Williamson Street, Madison, WI 53703

Rimrock Road (Dane County)
101 E. Rusk Avenue, Madison, WI 53713

Struck Street (Dane County)
709 Struck Street, Madison, WI 53711

DeForest (Dane County)
120 Vinburn Road, DeForest, WI 53532

Oregon (Dane County)
744 N. Main Street, Oregon, WI 53575

Verona (Dane County)
105 Enterprise Drive, Verona, WI 53593

Dodgeville (Iowa County)
1205 Joseph Street, Dodgeville, WI 53533

Platteville (Grant County)
1520 E. Business Highway 151, Platteville, WI 53818

Lancaster (Grant County)
1000 Ihm Street, Lancaster, WI 53813

The Digital Branch serves members who want to handle their loan virtually, and every physical branch accepts in-person loan applications.

How refinancing your car loan works at Heartland

Refinancing replaces your current loan with a new Heartland loan, ideally at terms that fit you better. The path looks like this:

Step 1. Check that you qualify for membership. You are eligible if you live, work, worship, or attend school in southern Wisconsin, or are an immediate family member of a current member.

Step 2. Gather your loan and vehicle details. You will need information about your current loan and your vehicle when you apply.

Step 3. Apply. Use the online auto loan application or apply in person at any branch location.

Step 4. Close the loan and get the rebate. After your new loan funds, the 1% cash-back rebate (up to $200) is deposited to your account within 30 days.

Where to find current vehicle refinance rates

Heartland publishes its vehicle loan rates on its rates page, with rates organized by vehicle model year and loan term, including minimum loan amounts for longer terms. Your rate depends on factors like the age of your vehicle and the term you choose, so the rates page is the place to see today's numbers before you apply. The page covers cars, trucks, motorcycles, boats, motor homes, and recreational vehicles.

Vehicle refinancing questions, answered

Can I refinance a car loan from another bank or lender at Heartland?

Yes. Refinancing loans from other lenders is exactly what Heartland's current offer targets: 1% cash back, up to $200, on vehicle loans moved to Heartland from another lender. Loans already held at Heartland are not eligible for the rebate.

Does Heartland Credit Union have a branch in Janesville, Wisconsin?

Yes. The Janesville branch is located inside SSM St. Mary's Hospital at 3400 E Racine St., Janesville, WI 53546, with lobby hours on Tuesday and Thursday from 9:00 a.m. to 5:00 p.m. You can reach it at (800) 362-3944.

Where is Heartland Credit Union located?

Heartland Credit Union is headquartered in Madison, Wisconsin, where it was founded in 1936. Its 12 branch locations, plus a Digital Branch, span southern Wisconsin. Dane County has the most locations: the Madison branches plus DeForest, Oregon, and Verona. Janesville serves Rock County, Dodgeville serves Iowa County, and Platteville and Lancaster serve Grant County.

Where can I see Heartland's current auto refinance rates?

Current vehicle loan rates are published on Heartland's rates page, organized by vehicle model year and loan term. Rates change over time, so check the page for today's figures.

Can I refinance an RV or motorcycle loan?

Yes. Heartland finances motorcycles, boats, motor homes, and recreational vehicles such as snowmobiles, ATVs, and campers, and the cash-back offer applies to recreational vehicle loans refinanced from another lender as well.

How to get started

Ready to move your car loan? Apply online in minutes, call Heartland at (800) 362-3944, or stop into any southern Wisconsin branch, including the Janesville branch at 3400 E Racine St. in Rock County. Before you apply, review current vehicle loan rates on the Heartland rates page so you know what to expect.

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