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Personal loans

Personal Loans in Wisconsin: 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 loan rates

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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!

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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.

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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. 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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Estimate your monthly payment

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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.

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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 loans for an emergency and more

From consolidating debt to covering a medical bill, you can utilize any of our available personal loans in Wisconsin to help pay for a variety of expenses.

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  • *APR is Annual Percentage Rate. Unsecured signature loan rates range between 11.49% – 22.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months).

    **Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of July 26, 2023, is 8.50%. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.


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