HCU Auto/Recreational Loans
Shopping for a new ride?
We offer financing for new and used vehicles, recreational vehicles, motorcycles, all-terrain vehicles, boats, and more! HCU also offers GAP and Payment Protection to protect your investment.
Current Rates
To ensure we have all the necessary information needed, please use our Member Vehicle Loan Check List.
- Competitive loan rates
- Pre-approval -- Find out how much you can afford before you begin shopping for your vehicle.
- Up to a full .25% loan rate discount -- We value your relationship with the credit union and want to reward you for using our products and services. If you have a relationship of $50,000 or more at HCU you'll receive a .25% loan rate discount.
- Automatic payment options
- Gap Protection
- Payment Protection
- Extended Warranties
Dealer 0% vs. Financing through Heartland Credit Union
If you are considering a new or used vehicle, or looking to refinance your current vehicle, Heartland Credit Union wants to make sure you compare your financing options. Some offers may not always be as attractive as they seem. At a car dealership you may be presented with the option of a low interest rate or a cash rebate. In most cases, choosing the cash rebate and financing through Heartland Credit Union will save you money. The proof is in the numbers… see for yourself!
|
HCU Financing* |
Dealer Financing |
Loan Amount
Rate
Term
Monthly Payment
Total Payments
|
$16,500 (with $3,500 cash rebate)
3.99% APR*
60 Months
$303.80
$18,228.00
|
$20,000
0.00%
60 Months
$333.33
$20,000.00
|
A Savings of $1,772.00
The pricing example listed above does not include sales tax.
|
*Annual Percentage Rate as of April 23, 2010. Actual rate is based on credit score, model year and term. Rate quoted includes a .25% for Prime Plus Relationship at Heartland Credit Union. All Loans are subject to approval. Existing Heartland Credit Union loans are not eligible for refinancing.
How much car can I afford?
Drive Away Happy: Car Buying Decisions
Additional Links
Cyber Drive Illinois
Illinois Department of Natural Resources
Enterprise Car Sales