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Personal Loans

Whether you’re adopting a baby, improving your home, or planning a wedding, a personal loan from Heartland CU could help a lot.


Baby Love

Members Brandon and Heidi were shocked when they discovered the steep price tag for adoption–and they needed the money at a moment’s notice. See how Heartland helped Brandon and Heidi make their adoption dreams come true, then read below for some tips on securing your own loan.

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Personal Loans

Kwik Cash Line of CreditAPR
Revolving **14.75%
Personal LoansAPR as low as*
Up To 60 mos.*7.99%

*All rates are based on credit history and other services you use. Please see an associate for details. Annual percentage rate (APR) can change at any time without notice. Normal lending policies apply.
**Variable rate programs based on prime, currently at 3.25%. See Heartland for more information including different rates & some fees.


Here are some suggestions for getting the loan you’re looking for:

Check your credit score. 
All lenders look at borrowers’ credit histories so log into online or mobile banking and see where you stand. If your score is a little low, waiting for six months and making on-time payments can help offset negative items in your history.

Be prepared. 
Before you meet with a loan officer or apply online, be ready to answer some basic questions:

  • How much money do you need?
  • How long do you need it for?
  • How much collateral do you have and how much is it worth?
  • What’s your salary? Will it be going up in the next few years?

Ask about options.
In addition to Personal Loans, there are lots of ways to borrow money – credit cards, and home equity lines of credit.  Talk to your Heartland representative about the option that makes the most sense for you.  We’re here to help – just stop by one of our convenient branch locations or give us a call at 800-362-3944.

Interest Rates Certified by Datatrac

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