Auto-Recreational Loans

We offer financing for new and used vehicles, recreational vehicles, motorcycles, all-terrain vehicles, boats, and more!

Highlights of an auto loan at HCU:

  • Competitive loan rates
  • Pre-approval -- Find out how much you can afford before you begin shopping for your vehicle.
  • Automatic payment options
  • Gap Protection and Payment Protection
  • Mechanical Breakdown Protection- A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.  The Route 66 Extended Warranty is the most comprehensive coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “peace of mind” because even the most reliable vehicle can develop a mechanical problem at any time. 
  • Heartland Credit Union has partnered with BonusDrive. BonusDrive gives you an extra $500 when you shop for and purchase or lease a vehicle from slect leading auto manufacturers. Visit BonusDrive for more details.

Current Rates | Apply Online


Do you currently have an auto loan with HCU and need to provide proof of insurance? If so, please Upload Proof of Insurance for your auto loan.

Additional Links

How much car can I afford?

Drive Away Happy: Car Buying Decisions

Cyber Drive Illinois

Illinois Department of Natural Resources

Enterprise Car Sales