Applying for a Loan

Important Information about applying for a loan

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you.

In order to make the loan application process as easy as possible, please have the following information available for yourself and any joint applicants:

  • Valid Social Security Number
  • Date of Birth
  • Your current address
  • Valid identification information (including number, issue, and expiration date)
  • Telephone number
  • Email address

If you are not a U.S. citizen or are subject to backup withholding, you will not be able to apply online. Please call us at (402) 571-8444 or (402) 339-6755 or visit a Heartland Area Federal Credit Union branch to apply. Branch locations and hours can be found on our contact page.

If you would like to add beneficiaries to your account(s), please also have the following information available regarding your beneficiaries:

  • Valid Social Security Number
  • Date of Birth
  • Address

Applying is Fast and Easy

Here’s what you’ll need to have handy: 

  • Your Social Security Number and 
  • A U.S. government-issued photo ID (e.g. Driver’s License, Passport, State or Military ID)

Please note: we are unable to open accounts for individuals under the age of 18 through our online application. This includes minor children. We apologize for the inconvenience. Please stop by one of our locations to open a minor account.

Apply for a Loan

By clicking the “Begin Application” button, I certify that I have read & agree to the disclosures and agree to comply with all of their terms and conditions.

  • I may be asked to answer questions in order to verify my identity and
  • The Social Security Number on this form is my correct Tax Identification Number.

Loan Aplications

Individual Credit: You must complete the Application section about yourself and the Other section about your spouse if:

  1. You live in or the property pledged as collateral is located in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI).
  2. Your spouse will use the account, or
  3. You are relying on your spouse’s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on who payments you are relying.

Joint Credit: If you are applying with another person, complete the Applicant and Other sections.

Guarantor: Complete the Other section if you are a guarantor on an account/loan.

Indicate below the type of account(s) and type of credit for which you are applying. Married Applicants may apply for a separate account.

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Please Note:

In an effort to keep your personal information confidential, we will not be storing any information entered into any of the above applications after the application has been inactive for more than 15 minutes. Because you will have to start the application from the beginning after the 15 minutes of inactivity, please plan accordingly when you are completing an application.