Car Loan Rates, Fees & Terms

Here you will find information about interest rates, fees and terms.
Download the Heartland Consumer Loan and Security Agreement and Guaranteed Future Value Agreement below, or scroll further to read about our rates, fees and terms.

Consumer Loan and Security Agreement
Guaranteed Future Value Agreement
Standard Loan rates, fees and terms

Rates

Our interest rates range from 8.95% p.a. to 13.95% p.a. and are fixed for the full period of the loan (unless as amended pursuant to the loan agreement). The rate charged will depend on your personal circumstances, taking into account your income, financial commitments and credit history. To better understand the rate that you qualify for, give our friendly team a call on 0800 85 30 30.

Default interest rates

If you do not pay an amount when it is due, then we will charge you interest at a default interest rate of 6% per annum above the then current interest rate.

Fees

See the Schedule of Standard Fees and Charges applied to Consumer Loan and Security Contracts here.
Tesla Loan rates, fees and terms

Rates

Our interest rates is 6.45%p.a. and is fixed for the full period of the loan (unless as amended pursuant to the loan agreement).

Default interest rates

If you do not pay an amount when it is due, then we will charge you interest at a default interest rate of 6% per annum above the then current interest rate.

Fees

See the Schedule of Standard Fees and Charges applied to Consumer Loan and Security Contracts here.

Get in touch

Need to chat? We’re here to help.

Contact us