Rates as low as 5.99% APR — or 4.99% APR when you apply online*
Enjoy a little extra financial flexibility this season with a Heartland Credit Union personal loan. Whether you're celebrating, traveling, or tackling year-end expenses, we make borrowing simple—with great rates and an easy online application.
Save with our holiday loan special.
Get our lowest promotional rate when you complete your application online. It’s fast, secure, and available anytime.
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5.99% APR* standard personal loan rate
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4.99% APR* online-only promotional rate**
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Terms up to 24 months
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Quick approvals and funds you can use for almost anything
Example payment: $85.58 per $1,000 borrowed (based on 4.99% APR for a 12-month term).
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Get the funds you need—fast.
Whether you're celebrating, traveling, or simply treating yourself, our personal loans can help bring your plans to life. Enjoy rates as low as 5.99% APR—or get a special 4.99% APR when you apply online.
Offer ends December 15, 2025.
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 *APR = Annual Percentage Rate. The maximum term limit is 24 months. Typical credit granting standards apply. Estimated monthly payment example = $85.58 per $1,000 (payment example is based on 4.99% APR for 12 months). **Must apply online to receive the promotional rate of 4.99% APR. If you wish to receive the promotional rate and cannot apply online, contact Heartland’s Digital Team. You may contact the Digital Team by emailing digitalteam@heartlandcu.org; calling 800-362-3944 and asking to speak with a Digital Agent; via chat; or by scheduling an appointment at heartlandcu.org. Existing and refinanced Heartland loans are not eligible for promotional rate. Offer ends December 15, 2025. Federally insured by NCUA.Â
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Rates
Personal Loan rates
| Product | Term | APR as low as* |
|---|---|---|
| Kwik Cash Line of Credit |
|
|
| Personal Loans |
Up to |
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Rates effective as of: December 1, 2025
*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 20.49%. 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
MasterCard Credit Card rates
| Product | APR* as low as |
|---|---|
| Mastercard |
|
*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. Rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
All features
No collateral needed
This loan is based on your credit-worthiness, so you do not need to have collateral in order to receive the funds you need.
Customize amounts
You have flexibility in the amount you can receive, allowing you to get enough funds to cover your needs.
No annual fee
In addition to your interest payments, you can save money because there is no annual fee on your loan.
Multiple repayment options
You can select a monthly repayment amount that fits your financial situation, making paying off your loan a stress-free experience.
Reported to credit bureaus
The more you pay on-time, the more likely your credit score will rise as a result.
Digital alerts
You can make managing your loan easier by setting up text, email, or push notifications about your loan, such as payment due dates, balances, and more.
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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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