Get affordable vehicle loans in Wisconsin: low payments and fast approval
New loans to Heartland qualify for an additional .50% APR off our already low vehicle loan rates.*
*APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Today's auto loan rates (before the .50% discount)
View ratesRegular rate 36 months
As low asPromo rate 36 months
As low as 4.74 % APR**
Affordable payments
You can choose among several auto loans in Wisconsin with different term and rate options so you can select the payment plan that fits your budget.
Easy application
Thanks to our quick and easy online process, applying for a car loan in Wisconsin is simple—do it anytime, anywhere it’s most convenient for you.
Fast approval
Never miss an opportunity to buy your dream vehicle. Heartland's quick application review and approval process helps you complete your purchase sooner.
Guaranteed Asset Protection (GAP)
You can add GAP insurance to protect you financially in the instance of a vehicle theft or major accident. We offer a lower cost than what is offered at dealers or other financial institutions.
Mechanical Repair Coverage (MRC)
You can add affordable MRC coverage to help offset the costs of mechanical breakdown repairs. You'll likely pay less than what other places charge for the same protection.
Rate comparison
Based in Madison, WI, DataTrac helps you compare the best rates available for new or used vehicle loans helping you save time and money during the shopping process.
Have a question?
Come meet our amazing team. As a trusted credit union in the area, we can help you find home equity loans in Wisconsin that match your needs.
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Save more of your hard-earned money
We work hard to offer lower auto loan rates in Wisconsin and longer terms so you have a more affordable monthly payment, making the car-buying experience more budget-friendly.
Everyone working on my loan was very professional and extremely nice to work and talk with...thank you again.
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1
Complete an application
Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.
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2
Get approved
We will review your application and quickly inform you of your approval status.
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3
Purchase your vehicle
Once approved, use your loan funds to purchase a new or used vehicle, and then manage your loan payments directly through digital banking.
Low-Interest Rate Auto Loans in Wisconsin
With multiple loan options to give you low monthly payments and flexible terms, buying a new or used vehicle is more possible than ever.
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**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months.)
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Rates
| Term | Regular APR as low as* | Promo APR as low as ** |
|---|---|---|
|
Up to 36 months |
|
4.74 |
|
37 - 60 months |
|
5.25 |
|
61 - 72 months (Min. $20,000) |
|
5.49 |
|
73 months or greater (Min. $30,000) |
|
6.49 |
Rates effective as of: July 10, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months)
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2016) Rates
| Term | Regular APR as low as* | Promo APR as low as* |
|---|---|---|
|
Up to 36 months |
|
5.25 |
|
37 - 60 months |
|
5.49 |
|
61 - 72 months (Min. $20,000) |
|
5.99 |
|
73 months or greater (Min. $30,000) |
|
7.49 |
Rates effective as of: July 10, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2015 to 2010) Rates
| Term | Regular APR as low as* | Promo APR as low as* |
|---|---|---|
|
Up to 36 months |
|
6.74 |
|
37 - 60 months |
|
6.99 |
|
61 - 72 months (Min. $20,000) |
|
7.47 |
|
73 months or greater (Min. $30,000) |
|
8.99 |
Rates effective as of: July 10, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2009 and older) Rates
| Term | Regular APR as low as* | Promo APR as low as* |
|---|---|---|
|
Up to |
|
10.99 |
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Recreational Vehicles: Snowmobiles | ATVs | Campers (2016 and newer) Rates
| Term | Regular APR for UNtitled vehicles as low as* | Promo APR for titled, motorized vehicles as low as* |
|---|---|---|
|
Up to 36 months |
|
6.99 |
|
37 - 60 months |
|
7.49 |
|
61 - 72 months (Min. $20,000) |
|
8.49 |
|
73 months or greater (Min. $30,000) |
|
9.99 |
Rates effective as of: July 10, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
All features
Low rates
We are proud to offer lower rates on auto loans in Wisconsin than other credit unions or banks, helping you better afford your next vehicle.
Terms up to 84 months
You can have greater control over how much you pay each month with our flexible term options.
AutoSmart
You can make car shopping even easier by using AutoSmart to digitally compare options from a trusted resource.
Financial coaching
Heartland offers financial coaching services so you can learn more about resources and best practices to stay in control of your financial health while paying off your auto loan.
Payment options
You can make individual payments online or set up automatic transfers to help you find the most flexible, successful payment method for your loan.
Personal service
You can call a representative to access reliable, friendly service when you have questions about your loan.
Pre-approval option
We can help you get pre-approved for a loan through Heartland so you can more confidently negotiate your vehicle price when shopping.
Tax, title, licensing for third-party purchases
You can skip the DMV and work directly with us to help you with these services, saving you energy and time from your busy schedule.
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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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