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Due to maintenance, HCU Digital Banking may be unavailable Sunday, 04/21/2024 from 12:00am to 6:00am, Central Time.

Auto Loans

At Heartland Credit Union, we're driven to help you get into the car, truck, or SUV of your dreams.  We have the tools, like AutoSMART,  to help you find your new vehicle, schedule a test drive, and secure financing. All of this, along with affordable rates and flexible terms means you'll enjoy a stress-free car-buying experience.    

We make finding your next car, truck, or SUV stress-free.  Our AutoSMART tool lets you search area dealer inventory, checkout dealer reviews, and apply for financing, all in one place.
Find the auto loan that’s right for you. HCU offers personalized loan solutions with affordable rates, flexible terms, and monthly payments that fit your budget.
Get prequalified today so you’re ready to buy when you find your dream car. Don’t let your credit score stand in the way. We’re driven to get you on the road fast.
Auto Loan Rates
48 Month as low as
60 months as low as
72 Months as low as

Auto Loans Features

  • 100% financing available to qualified borrowers
  • Instant online approval
  • Terms up to 84 months
  • Onsite financing. Request HCU financing at the dealership
  • Start searching for your next vehicle today
Apply online, visit your nearest branch, call our eBranch at 800.428.8472, or video chat via the Heartland Connections app.

Have an HCU representative contact you about your next auto loan.

Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.
​*Annual Percentage Rate. Membership required. Limited time offer. Assumes a credit score of 725+ on a new to HCU $20,000 fixed, secured loan, 2020 or newer vehicle with less than 130,000 miles, and HCU checking with direct deposit. For example, a $20,000 loan at 6.74% APR would require 72 monthly payments of $339 per month.