Enjoy a 4.99% APR personal loan when you apply online.*
Whether you're celebrating, traveling, or simply treating yourself, our personal loans can help bring your plans to life.
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*APR = Annual Percentage Rate. The maximum term limit is 24 months. Typical credit granting standards apply. Estimated monthly payment example = $85.58 per $1,000 (payment example is based on 4.99% APR for 12 months). **Must apply online to receive the promotional rate of 4.99% APR. If you wish to receive the promotional rate and cannot apply online, contact Heartland’s Digital Team. You may contact the Digital Team by emailing digitalteam@heartlandcu.org; calling 800-362-3944 and asking to speak with a Digital Agent; via chat; or by scheduling an appointment at heartlandcu.org. Existing and refinanced Heartland loans are not eligible for promotional rate. Offer ends December 15, 2025. Federally insured by NCUA.Â
Fixed rates
Lock in peace of mind with fixed monthly payments that stay consistent, making it easier to budget and achieve your financial goals.
Use for any purpose
Whether it's consolidating debt, funding a dream vacation with a holiday loan, or upgrading your vehicle, our Wisconsin personal loans are your flexible solution for life's big plans.
Manage with digital banking
Take control of your loan with secure, on-the-go management. Track balances, schedule payments, and stay on top of your finances—anytime, anywhere.
Easy application process
Start your Wisconsin personal loan journey in just minutes with our simple online application. Apply when it works for you and get closer to your goals—hassle-free.
Flexible terms
Choose repayment terms that fit your budget and lifestyle. With options from 36 to 60 months, you have the freedom to pay at your pace.
Competitive rates
Save more over time with rates designed to work for you. Enjoy competitive interest rates that keep your financial goals within reach.
Estimate your monthly payment
Let's see what your monthly payment could be. View rates
Monthly Payment
We moved earlier this year before selling our other house. Paying two mortgages has been challenging. We got a personal loan, with no problem, to keep us on track.
Have a question?
Come meet our amazing team today! As a trusted credit union in the area, we can help you find affordable home equity loans and more in Wisconsin that match your needs.
Experience peace of mind
Protect your finances in the face of unforeseen circumstances. You can rest easy knowing that payments on your personal loan in Wisconsin will still be made if you have a sudden life challenge.
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1
Click the Apply for a Loan button
Discuss with us your needs.
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2
Get approved
We will review your application and notify you of your approval.
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3
Use your funds
After approval, you can use the funds deposited into your account for your expenses. Digital banking makes it easy to pay on your personal loan.
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*APR is Annual Percentage Rate. Unsecured signature loan rates range between 11.49% – 20.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months).
**Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of is %. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.
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Rates
Personal Loan rates
| Product | Term | APR as low as* |
|---|---|---|
| Kwik Cash Line of Credit |
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| Personal Loans |
Up to |
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Rates effective as of: December 7, 2025
*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 20.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months).
**Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
MasterCard Credit Card rates
| Product | APR* as low as |
|---|---|
| Mastercard |
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*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. Rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
All features
No collateral needed
This loan is based on your credit-worthiness, so you do not need to have collateral in order to receive the funds you need.
Customize amounts
You have flexibility in the amount you can receive, allowing you to get enough funds to cover your needs.
No annual fee
In addition to your interest payments, you can save money because there is no annual fee on your loan.
Multiple repayment options
You can select a monthly repayment amount that fits your financial situation, making paying off your loan a stress-free experience.
Reported to credit bureaus
The more you pay on-time, the more likely your credit score will rise as a result.
Digital alerts
You can make managing your loan easier by setting up text, email, or push notifications about your loan, such as payment due dates, balances, and more.
Apply for a loan
Request Mortgage Appointment
Get Code
Schedule an appointment
Virtual Appointment:
In-Branch Appointment:
File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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