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Auto, boat and recreational vehicle loans

No Payments for 90 Days

No payments for 90 days on new auto, boat or recreational vehicle loans for a limited time. With our easy application process and competitive rates, flexible terms, protection options, and experienced team, you can get your new vehicle in no time.

  • *Interest will accrue during 90-day no payment period. Your first payment(s) could be applied to interest only based on the amount owed and rate at the time of loan. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat and recreational vehicle loan rates range from 5.74% – 23.49% Annual Percentage Rate (APR) as of April 1, 2024. Your rate will be based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility.

Today's Auto Loan rates

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36 months

As low as % APR*
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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.

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Easy application

Thanks to our quick and easy online car loan application, you can apply when and where it is most convenient for you.

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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.

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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.

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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.

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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 personal loans in Wisconsin, including holiday loans, that match your needs.

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Save more of your hard-earned money

We work hard to offer lower rates and longer terms so you have a more affordable monthly payment, making the car-buying experience more budget-friendly.

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The RV I purchased was through an auction so everything was last minute. Chris went out of his way to get the loan approved quickly. I was happy with the whole experience. When it was complete I felt like I had made a new friend.

— Richard R., Oregon, members since 2001

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.

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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.

You may also be interested in

Guaranteed Asset Protection (GAP)

You can add extra coverage to protect you financially in the instance of a vehicle theft or major accident, often at a lower cost than what is offered elsewhere.

Mechanical Repair Coverage (MRC)

You can add affordable coverage to help off-set the costs of mechanical breakdown repairs. You'll likely pay less than what other places charge for the same protection.

Loan Protection

Choose Loan Protection so your loan and debt payments will continue in the event of a major illness, injury, or job loss.

  • *APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: 5.74% – 21.74% (2022 and newer), 6.24% – 23.49% (2014 – 2021), 11.49% – 22.49% (2013 and older), and 7.49% – 22.99% (other recreation vehicles) 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 monthly payment example = $30.30 per $1,000 (payment example is based on 5.74% APR and a term of 36 months).

Phone Call Scams: Scammers are calling members pretending to be Heartland employees. We will never call asking for one-time pass-codes or debit/credit card numbers! Contact us