Auto Loans
- 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.
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.
First Time Buyers Guide
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