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On the Road to Ownership

Are you looking to purchase a car or home, but are concerned that your credit will keep you from gaining approval or receiving a reasonable interest rate? Follow these steps to help you on your journey.

Pull Your Credit Report

Go to annualcreditreport.com to pull your report. Through April of 2022, you are allowed to access all 3 bureaus with no negative impact to your score.

Learn About Your Credit Score

Did you know your credit history is actually more important than your score? We offer a course that will teach you all about it; click here to sign up!

Take our Financial Education Course

Learn about positive financial practices and ways to improve your credit. We’ll teach you how to read your report and the steps to take to achieve your goals.

Credit Repair / Credit Builder Loan Program

By taking our course, you will be eligible for the Small Dollar Loan Program. Find out how to apply for these loans that range between $500 - $1500 on our website.

Pull Your Credit Report Again

Now that you’ve learned the practices that will improve your credit and completed the Credit Repair/Builder Loan Program, find out how it has helped!

Apply for Your Loan

Stop into any Heartland Bank location to learn about your home and car loan options. Did you know we offer one specifically for those struggling with their credit? Click here to learn more.

Small Dollar Loan RoadmapAnnual Credit ReportCredit Score CourseCredit Repair Loan ProgramLoans
Small Dollar Loan RoadmapAnnual Credit ReportCredit Score CourseCredit Repair Loan ProgramLoans