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Auto Loans

Affordably finance your next vehicle

With multiple loan options to give you low monthly payments and flexible terms, buying a new or used vehicle is more possible than ever.

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Affordable Payment

You can choose between a number of loans with different term and rate options so you can select the payment plan that fits your budget.

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Easy Application

Thanks to our quick and easy online application, you can apply when and where it is most convenient for you.

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Fast Approval

Never miss an opportunity to buy your dream vehicle. Heartland's quick application review and approval process helps you complete your purchase sooner.

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Guaranteed Asset Protection

You can add extra coverage to protect you financially in the instance of a vehicle theft or major accident, often at a lower cost than what is offered at dealers or other financial insitutions.

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Mechanical Repair Coverage (MRC)

You can add affordable coverage to help off-set the costs of mechanical breakdown repairs. You'll likely pay less what other places charge for the same protection.

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Rate Comparison

Based in Madison, WI, Data Trac helps you compare the best rates available for new or used vehicle loans helping you save time and money during the shopping process.

Have a question?

Come meet our amazing team. We can help you vehicle loans, personal loans and home equity loans.

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Affordable payments

Save money of your hard-earned money

We work hard to offer lower rates and longer terms so you have a more affordable monthly payment, making the car-buying experience more budget-friendly.

Apply for Auto loan

My husband moved his autoloan to Heartland because I have been going here for years and everyone is so friendly and helpful in any situation

— Robin F., Mineral point

How it works

You could be driving a new car, truck, or SUV sooner than you think with our fast loan application and approval process.

  • 1

    Complete an Application

    Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.

  • 2

    Get approved

    We will review your application and quickly inform you of your approval status

  • 3

    Purchase your vehicle

    Once approved, use your loan funds to purchase a new or used vehicle, and then manage your loan payments directly through digital bankings.

Get approved and start shopping for a car today

With our easy application process and competitive rates, flexible terms, protection options, and experienced team, you can be diving a newly purchased vehicle in no time.

You may also be interested in

Guaranteed Asset Protection (GAP)

You can also add coverage to protect you financially in the instance of a vehicle theft or major accident, often at a lower cost than what is offered elsewhere

Mechanical Repair Coverage (MRC)

You can add affordable coverage to help off-set the costs of mechanical breakdown repairs. You’ll likely pay less than what other places charge for the same protection.

Loan Protection

Choose Loan Protection so your loan and debt payments will continue in the event of a major illness, injury, or job loss.

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