Skip nav to main content.
Personal loans

Sometimes you need a little extra cash

With a personal loan from Heartland, you can easily apply to get the funds you need for almost any purpose.

Today's Personal Loans rates

View rates

60 months

As low as % APR*

Fixed rates

Personal loan rates are fixed, so your monthly payment will not change, making it easier to budget and repay your loan.


Use for any purpose

Purchase an older vehicle, consolidate debt, pay for vacation expenses, or more with a personal loan. You can use the funds for nearly anything!


Manage with digital banking

View your loan balance and make payments directly in digital banking on your phone or computer. It's easy to manage your loan when you're on the go.


Easy application process

With our online application, you can apply whenever and wherever it is most convenient for you.


Flexible terms

Choose a monthly repayment amount that is most budget-friendly for you. We offer flexible repayment terms of 36-60 months.


Competitive rates

Competitive interest rates can help you save money over the lifetime of your personal loan.

Have a question?

Come meet our amazing team. We can help you with vehicle loans, personal loans, and home equity loans.

Set up an appointment

Call us

loan closing


Chris G

View profile

Bill N

View profile
lender greg

Greg J

View profile

Santino V

View profile

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Qualifies for debt protection

Experience peace of mind

Protect your finances in the face of unforeseen circumstances. You can rest easy knowing that payments on your loan will still be made if you have a sudden life challenge.

Apply for a loan
Side View Of African American Guy Using Smartphone At Home

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.

— Carl W., Madison, Member Since 2010

How it works

In a few steps, you can be approved for and use a personal loan to help with your unique expenses.

  • 1

    Click the Apply for a Loan button

    Discuss with us your needs.

  • 2

    Get approved

    We will review your application and notify you of your approval.

  • 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.

You can count on us when you need a loan

From consolidating debt, covering a medical bill, and more, you can use a personal loan to help pay for variety of expenses.

You may also be interested in

Financial Fitness Coach

Whether you need some assistance creating a budget or you want to boost your credit score, Heartland Credit Union has professional financial fitness coaches to help you.

Mastercard® Credit Card

With a Heartland Credit Union rewards Mastercard® credit card, the low rates and $0 annual fee help you save money. Digital banking makes managing your balance easy and convenient.

Auto Loans

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

  • *APR is Annual Percentage Rate. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. **Variable rate programs based on prime, currently at 8.5% as of July 26, 2023. See Heartland for more information including different rates & some fees.