Loan Application

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Estimate your interest rate

The actual interest rate charged on a loan made to you will depend on your personal circumstances and will be between 8.95% to 15.95% per annum. To determine your interest rate we look at things like your credit history and income. See here for more information.

The total amount payable will be .

Repayments from

per week

Repayments from

per month

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Your repayments have been calculated at the selected interest rate. However, if your application is successful, your interest rate and repayment amount may be different to those shown above. Our interest rates vary between 8.95% and 15.95% p.a. and your interest rate will depend on your personal circumstances as explained here. A $229 establishment fee and $10.35 PPSR fee applies to each loan. The repayment amount shown above includes repayment of that fee. Please call us on 0800 85 20 20 for more information.

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Would you like to know more about our insurance policies?

Lifestyle Protection Insurance

Covers you in case you are unable to work because of unexpected events including life (death), illness, accident or redundancy.

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Mechanical Breakdown Insurance*

Cover protects you in case your car has an unforeseen mechanical breakdown.

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Guaranteed Asset Protection Insurance (GAP)

Covers the difference (the GAP) between what your vehicle is worth and how much you owe– not just the value of the car!

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Motor Vehicle Insurance

Cover for your car. In the event of an accident you know that you'll have the right level of protection to cover damages to your car and also any damages you may cause to someone else's car or property.

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Please acknowledge you have read the Privacy Declaration

In this declaration, “Heartland”, “we” or “us” means Heartland Bank Limited, and its related entities, successors, assigns, agents and associates, and “you” means the person completing this application, each person named in this application, each guarantor of any loan made to you and any authorised person or beneficial owner of the borrower or any guarantor of any loan made to you (as applicable).

    Heartland is collecting information about you in accordance with the Privacy Act 2003 and our Privacy Statement, and we may not be able to provide you with products or services if you do not provide that information.
    That information may be used by us:
  • to consider this application
  • to consider any future application for products or services which involves you.
    We can also use it:
  • to administer and monitor products or services provided to you
  • to comply with legal and regulatory requirements (including identity verification requirements)
  • to provide you with information about other products or services, including those of selected third parties
  • generally, to develop and run our business; and
  • as otherwise described in our Privacy Statement.
    You agree that - for those purposes – we can provide information about you to, and obtain information about you from, other organisations or people we consider appropriate. Those organisations might include our service providers, other financial and insurance institutions, government departments, and your employer or accountant, third parties for the purposes of fraud prevention, identity verification, and any other purposes relevant to those purposes (those third parties may retain information and use it for identity verification and fraud detection purposes), and other appropriate persons.
    We may also exchange information about you (including default information) with credit reporting agencies on an ongoing basis. Those agencies may retain that information and provide it to other customers who use their credit reporting services.
    You can request the full details of every organisation or person to whom we have disclosed information about you. You have rights to access and request correction of your personal information under the Privacy Act 1993.
    By proceeding, you confirm that:
  • each person named in this application form has read and agrees to the terms above;
  • all information provided to us is correct, complete and not misleading; and
  • none of those people is an un-discharged bankrupt.