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A Heartland Bank Relationship Manager smiles while meeting with a customer across a desk, discussing personal loan options in an office setting with a computer and files in the background.

Personal & Auto Loans

Made Simple & Local.

From a new set of wheels to life's big moments, our team makes borrowing straightforward and fast. Experience the Difference.

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Local Decisions

Fast answers from people who know your community with straightforward steps and real support.

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Flexible Options

Terms and payments that can fit your budget.

 

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Secure & Simple

Apply online or in-branch with bank-level security.

 

Which loan fits best?

Use this quick comparison to choose your path, then connect with our team for more details.

Personal Loan

Fixed payment plan for expenses or debt consolidation. Use for travel, medical, appliances, and more.

Auto Loan

Finance a new or used vehicle with local support from start to title. Refinance options for existing loans.

Home Equity Line of Credit (HELOC)

Your home's equity can open doors to new opportunities. Use your home's equity to accomplish your goals.

Estimate a Monthly Payment

 

What You May Need

Having these handy can help speed things up:

  • Valid ID (Driver's License or State ID)
  • Recent Pay Stubs and/or W-2s
  • Employment & Income Details
  • Current Debts & Obligations
  • For Auto: Vehicle Information

 

Questions? We're here.

Chat with someone local about requirements and timelines.

Let's Connect

Frequently Asked Questions

What can I use a personal loan for?

Common uses include consolidating debt, covering medical or travel expenses, or funding a life milestone. You can use it for what matters most.

How long does it take to get a decision?

Timelines vary by application, but local decision-making helps keep things simple and efficient.

Is there a prepayment penalty?

Discuss your specific loan option with one of our Relationship Managers. We'll walk you through the terms before you sign.

Can I apply online?

Yes! Start online anytime or visit your local branch. We're here to help either way.

Related Resources

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Personal Auto Loans

Best Ways to Finance a New Car

 
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Personal Auto Loans

Financial Steps to Take Before Buying a Car

 
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Talk to an associate today to learn more. A Heartland Bank associate smiling and ready to help you when you need us.