Auto-Recreational Loans

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

    Auto Loans

    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
    • Payment and Debit Protection Options
    • Gap Protection - Vehicle values decline rapidly.  That’s why your insurance settlement, in the event of an accident, may not cover your entire loan balance.  Unless, of course, you have Guaranteed Asset Protection (GAP) Advantage! GAP Advantage is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). Additionally, GAP Advantage also provides you with a credit of up to $1,000 towards the financing of a replacement vehicle if done so within the same financial institution. Contact HCU to learn how to protect your investment.  
    • 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. 

    Rates

    Auto Loans

    Model Year Term APR
     2018 - Newer  48 mo.  1.99%
       60 mo.  1.99%
     2015 - 2017  48 mo.  2.09%
       60 mo.  2.09%
     2013 - 2014  48 mo.  2.49%
       60 mo.  2.49%
     2011 - 2012  48 mo.  4.34%
       60 mo.  4.34%
     2000 - 2010  48 mo.  5.84%

    *Annual Percentage Rate and 125% financing (including tax, title, and license) available to qualified borrowers.  Actual rate quoted is based on credit worthiness, model year, and term. Other terms are available, please contact the Credit Union for more information. Offer valid on new loans only, applications dated after 10/30/2020. 

    Recreational Loans(motorcycles, motorhomes, boats, ATV)

    Model Year Term APR
     2018 - Newer  48 mo.  5.29%
       60 mo.  5.54%
     2015 - 2017  48 mo.  5.29%
       60 mo.  5.54%
     2013 - 2014  48 mo.  5.74%
       60 mo.  5.74%
     2011- 2012  48 mo.  6.79%
       60 mo.  6.79%
     2000 - 2010  48 mo.  7.64%
         

    *Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term.

    Approved Dealers

    Auto Mall Springfield - Springfield

    Bob Brady Auto Mall - Decatur

    Bob Brady Cadillac - Decatur-Forsyth

    Bob Brady Dodge - Decatur

    Bob Ridings Westown - Jacksonville 

    Bob Ridings Ford Taylorville - Taylorville

    Bob Ridings Decatur - Decatur

    Burtle Motors - Auburn

    CSC Motors - Girard

    Coys Lincoln/Chrysler/Dodge/Jeep - Lincoln

    Douglas Dodge/Ram - Clinton

    Girard Auto Sales- Girard

    Freedom Automotive - Virden

    Friendly Chevrolet - Springfield

    Graue Inc. - Lincoln

    Green Dodge - Springfield

    Green Certified West - Springfield

    Green Hyundai- Springfield

    Green Nissan - Springfield

    Green Toyota - Springfield

    Hagan Automotive- Chatham

    Hall's Harley-Davidson- Springfield

    Honda of Illinois - Springfield

    Isringhausen Imports Inc. - Springfield

    Jacksonville Chrysler Dodge Jeep Ram - Jacksonville

    Jennings Beardstown - Beardstown

    Kingdom Auto Center - Litchfield

    Kruse Enterprise - Virden

    Laketown Automotive - Springfield

    Landmark Cadillac - Springfield

    Landmark Chrysler/Jeep/Fiat - Springfield

    Landmark Ford -Springfield

    Landmark Ford Trucks East - Springfield

    Landmark Taylorville -Taylorville

    Nikles of Petersburg, Inc. - Petersburg

    O'Brien Honda of Bloomington - Bloomington

    Parkway Motors - Springfield

    PJP Autos - Springfield

    Roberts Automotive - Springfield

    Roger Jennings - Hillsboro

    S & K Buick/GMC - Springfield

    Sam Leman BMW- Bloomington

    Sam Leman Chrysler/Ram/Dodge/ Jeep - Bloomington

    Sam Leman Mazda- Bloomington

    Sam Lemon Ford- Bloomington

    Smokey Jennings Chevrolet - Palmyra

    Smokey Jennings Springfield - Springfield

    Staunton Chrysler/Dodge/Jeep/Ram - Staunton

    Steve Schmitt Brubaker Cadillac - Litchfield

    Trinity Automotive Inc. - Taylorville

    United Chevrolet Buick GMC- Jacksonville

    Victory Lane Ford - Litchfield

    victory Lane Motors - Carlinville

    Xamis Ford - Lincoln


     

    Loan Protection Products

    Life is full of the unexpected. HCU provides additional products and services that can protect your vehicles and finances. Please contact a Member Service Officer by calling 217-726-8877 to discuss what options might be best for you.

    • Auto Advantage - When you purchase GAP or DPW from Heartland Credit Union you also receive an extra benefit called Auto Deductible Reimbursement (ADR). With ADR if your car is not totaled, but you have an accident or damage covered by your auto insurance during the benefit period which is covered by your Auto Insurance Policy, you may be entitled to reimbursement of the Auto Insurance Policy deductible amount up to $500 per Loss. To be eligible for reimbursement you must own or lease and insure the Covered Auto under an Auto Insurance Policy designating you as the Named Insured. Loss means an event for which you auto insurance company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the Covered Auto Coverage is effective upon date of enrollment and will continue for 3 year(s) depending on the benefit period provided. 

    • HCU Loan Protection Plan - Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

    • Depreciation Protection - Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total loss.)

    • Gap Protection - Vehicle values decline rapidly.  That’s why your insurance settlement, in the event of an accident, may not cover your entire loan balance.  Unless, of course, you have Guaranteed Asset Protection (GAP) Advantage! GAP Advantage is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). Additionally, GAP Advantage also provides you with a credit of up to $1,000 towards the financing of a replacement vehicle if done so within the same financial institution. Contact HCU to learn how to protect your investment.  

    • 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. 

    • Vehicle Protection(VPP) - Keep the outside of your vehicle looking brand new with Vehicle Protection!  VPP provides a wide range of protection services for you and your vehicle, including: key or remote replacement, tire & wheel repair, dent & ding repair, windshield repair and 24-hour roadside assistance.
      ♦ Key or remote replacement* – keys or remotes that are lost, stolen, or destroyed are covered ($800 per year maximum)
      ♦ Tire & wheel – repair or replacement of punctured, cut, or flat tires;includes cosmetic repair of wheels due to road hazards or potholes 
      ♦ Paintless Dent Repair – permanently removes door dings and minor dents without harming a vehicle's factory finish
      ♦ Windshield repair** – repairs the front windshield if it becomes chipped or cracked due to road hazard debris such as rocks
      ♦ Roadside assistance – towing, emergency road service, fluid delivery, flat tire changes/repairs, emergency battery and lockout service

    • Route 66 Power Sports - Route 66 Extended Warranty for your Power Sports vehicles.

    Calculate your payment 

    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

    Cyber Drive Illinois

    Illinois Department of Natural Resources

    Enterprise Car Sales