Loan Rates – Vehicles

New & Newer Vehicle Loans

Auto Loans NEW Vehicles – EFFECTIVE December 1, 2023

All rates are subject to change. Rates set by individual creditworthiness, terms and age of vehicle. 100% of Sticker/Retail Value. $15,000 minimum.

*Annual Percentage Rate
** If loan amount is over $15,000. 

Model YearTerm750+ (A+)749-700 (A)699-650 (B)649-620 (C)619-581 (D)580 & below (E)
As low asAs low asAs low asAs low asAs low asAs low as
2024-2022up to 48 mos.5.85%6.09%6.59%11.84%15.64%18.00%
2024-202249-60 months6.09%6.34%6.84%12.99%16.79%18.00%
2024-202261-72 months**6.59%6.84%7.34%14.84% - - - - - - - -
** If loan amount is over $15,000
2024-2022Up to 84 months^7.09%7.84%8.09%- - - -- - - -- - - -
^ If loan amount is over $20,000. Meet or beat floor rate 2.45%
2017 and newer minimum $5,000 New Money.

New, CPO and Used Car Prices
Book Values, Trade In Values, MSRP, Reviews, Specs, Compare

Used Vehicle Loans

Other Secured Loans (USED vehicles, all watercraft, motorcycles, ATVs, etc.) – EFFECTIVE December 1, 2023

All rates are subject to change. Rates set by individual creditworthiness, terms and age of vehicle. $15,000 minimum.

*Annual Percentage Rate
** If loan amount is over $15,000
2018 and newer minimum $5,000 New Money.

Model YearTerm750+ (A+)749-700 (A)699-650 (B)649-620 (C)619-581 (D)580 & below (E)
as low asas low asas low asas low asas low asas low as
2021-2018up to 48 mos.
49-60 months
61-72 months **
7.84%
8.29%
9.09%
8.14%
8.54%
9.34%
8.64%
9.29%
10.09%
15.39%
15.79%
17.09%
17.69%
18.00%
- - - -
18.00%
- - - -
- - - -
** If loan amount is over $15,000
2017 & Olderup to 48 mos.
49-60 months
8.19%
8.59%
8.44%
8.84%
9.19%
9.59%
16.44%
16.84%
18.00%
- - - -
18.00%
- - - -

Route 66 Extended Warranty

Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, Route 66 protects you against major mechanical expenses and there is NO DEDUCTIBLE on covered parts and labor. There are three types of coverage:

  • Easy Street – Factory Type Coverage (best coverage available)
  • Main Street – Deluxe Coverage
  • First Street -Drive train Coverage

Call our loan officer, if you have any questions. Also you can go online at www.route66warranty.com or phone Route 66 at 1-800-808-0828.

***DISCLOSURE***

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

Terms Subject to Change. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application.

Terms of Repayment. Interest rates for closed end credit are fixed. The terms of repayment for the currently published interest rates are as listed above.

Certificate Secured, Loans covered by Certificate of Deposit from the credit union will be charged 2% over the C.D. Rate. Members can borrow 90% of face value of C.D. Loans covered by a Certificate of Deposit from another institution will have a rate of 3% over current credit union C.D. rate. Members can borrow 75% of face value of C.D.