Personal/Lifestyle Loans Personal Loan This is an unsecured loan that can be used for any number of unexpected expenses. A personal loan can be repaid in convenient and affordable monthly installments. Simple Interest Loan - You only pay interest for the time that the money is actually borrowed. Up to 36 Months - Get lower monthly payments with terms to suit your needs. Loan Coupon Books Available - Make record keeping easy with the use of a loan coupon book. Low Cost Credit Life Insurance - This can provide for the payoff of the entire loan balance in the event of the borrower's death. 2 to 3 Hour Approval Processing - Quick turn around time with a process that is quick and easy. No Penalty for Pre-Payment - You can pay your loan off early and save interest because there is no pre-payment penalty clause at Heartland. Current Rates | Apply Online