Enjoy 0% APR + zero payments for 90 days.
This limited-time auto loan offer gives you flexibility upfront so you can focus on the road ahead. Powered by 90 years of helping you move forward.
 *APR = Annual Percentage Rate. A promotional 0% APR with no payments for 90 days is available on eligible purchase and refinance loans on titled, motorized collateral for applications submitted between April 1–30, 2026 and funded by May 15, 2026. After the promotional period, the APR will convert to the standard rate, currently ranging from 4.74% to 19.24% APR as of April 1, 2026, based on creditworthiness, loan term, and collateral. Existing Heartland Credit Union loans, as well as commercial and agricultural loans, are not eligible. This offer may not be combined with any other promotions. Loan approval is subject to creditworthiness. Payment example: Monthly payment of $29.84 per $1,000 borrowed based on a 36-month term at 4.74% APR (best available non-promotional rate). Rates and terms are subject to change based on market conditions and borrower eligibility. Federally insured by NCUA. Equal Housing Opportunity.Â
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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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