Skip nav to main content.
Auto Loans

Fast & Affordable Auto Loans – Get Approved in Minutes

Competitive low rates designed for you with fast approvals and local service.

Rates as low as 5.74% APR*

Start application

Instant Affordability Calculator

See how affortdable your new car can be.
View rates

Monthly Payment

Amount
$
Rate
%
Months
Start application

This calculation represents an estimate

Key Benefits

dollar sign icon with circles and dots

Low monthly payments

Manageable payments designed to fit your budget.

hand icon pointing to big star

Fast approval

Get approved in as little as 24 hours.

car with shield icon

Local service & protection options

Trusted local advisors with complete protection plans.

 

View all features

What Our Members Say

Everyone working on my loan was very professional and extremely nice to work and talk with...thank you again.
Timothy M., Highland, member since 2006
My husband moved his auto loan to Heartland because I have been going here for years and everyone is so friendly and helpful in any situation.
Robin F., Mineral Point, Member Since 2000 Mineral Point
I've belonged to credit unions for many years. Joining Heartland was quick and easy. I look forward to HCU meeting my needs here in Wisconsin.
Alan H., Tempe, Member Since 2020 Tempe

How it works

You could be driving a new car, truck, or SUV sooner than you think with our fast loan application and approval process.

  • 1

    Complete an application

    Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.

  • 2

    Get approved

    We will review your application and quickly inform you of your approval status.

  • 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.

Start application

Protection Plans

Have a question?

Come meet our amazing team today! As a trusted credit union in the area, we can help you find affordable auto loans in Wisconsin that match your needs.

Set up an appointment

Contract Signing | Home Equity Loans in Wisconsin

Low-Interest Rate Auto Loans in Wisconsin

Save more of your hard-earned money

With multiple loan options to give you low monthly payments and flexible terms, buying a new or used vehicle is more possible than ever.

Start application Check rates

  • *Interest accrues during the 90-day no-payment period. Initial payments may apply to interest only, depending on the amount owed and rate at the time of the loan. Existing Heartland Credit Union loans, as well as commercial or agricultural loans, are not eligible. Loan approval is subject to creditworthiness. Current auto, boat, and recreational vehicle loan rates range from 5.24%–20.49% Annual Percentage Rate (APR) as of November 1, 2025, and are based on credit history. Applications must be received by December 31, 2025. Rates and terms are subject to change based on market conditions and borrower eligibility. 

Rates

New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Rates

Rates effective as of: November 12, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2016) Rates

Rates effective as of: November 12, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2015 to 2010) Rates

Rates effective as of: November 12, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2009 and older) Rates

Rates effective as of: November 12, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Recreational Vehicles: Snowmobiles | ATVs | Campers (2016 and newer) Rates

Rates effective as of: November 12, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

All features

dollar sign with arrows pointing down

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.

calendar icon with page flipped

Terms up to 84 months

You can have greater control over how much you pay each month with our flexible term options.

car icon

AutoSmart

You can make car shopping even easier by using AutoSmart to digitally compare options from a trusted resource.

mobile phone with person icon

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.

mobile phone with dollar sign and arrows icon

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.

handshake icon

Personal service

You can call a representative to access reliable, friendly service when you have questions about your loan.

hand icon with dollar sign

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.

puzzle pieces fitting together icon

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.

Apply for an auto loan

Request Mortgage Appointment


Get Code

Schedule an appointment

Virtual Appointment:

Digital Branch

In-Branch Appointment:

DeForest Branch
Dodgeville Branch
East Washington Ave Branch
High Crossing Branch
Lancaster Branch

Oregon Branch
Platteville Branch
Rimrock Road Branch
Struck Street Branch
Williamson Street Branch
Verona Branch

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.

Leaving Our Website

You are now leaving our website and being directed to an external site. This link is provided for your convenience; however, we do not control the content, products, or services available there. We encourage you to review the site’s privacy and security policies, and terms and conditions, to ensure they meet your needs.

Log in to Online Banking