Rating based on 13 reviews

Heartland Bank

  • Business loans up to $250,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

In-page navigation

Heartland Bank homepage
Author Heartland Bank. Screenshot of Heartland Bank website.
[Accessed April 17, 2018]

Heartland Bank - Helping you to grow your business

It is common for most people to think that banks don’t have the best interest of their clients. At Heartland Bank, we broke all barriers and boundaries by becoming one of the few financial service providers that think about the client first.

It is essential that when you are applying for credit, you go to a place where your opinion will be listened to and taken to heart. At Heartland Bank, we listen to what the entrepreneur would like to achieve with their business prospects.

Putting your business at ease

Our Heartland Bank loan calculator is used to be able to determine how much a client can qualify for when they apply for a business or personal loan.

Once you know how much you can get and how much you need to pay, it will make your credit journey easy.

At the end of the day, we want our customers to be able to still pay for their other monthly debts.

It is for this reason why we always advise our customers to take a business loan they can afford to pay and only the money they need at the time regardless of qualifying for a bigger credit amount.

Heartland Bank Services

The first step is applying for an online loan. The questions that we generally ask you are simple and can be completed in no time. It is important the customer answers every question truthfully and accurately. Incomplete applications will not be considered.

Furthermore, if you lie on your loan application with the aim of getting the upper hand, we will ban you from ever applying for an advance at Heartland Bank.

The good thing about the online application is that you can apply wherever you are as long as you have an internet connection.

The time is also not a matter of concern because you can apply during working and outside of operating hours.

Heartland Bank verification process

There will be certain documents that we will request from you about your business. We want to verify the financial status of your organization so that we can determine the amounts and types of business loans that you qualify for.

We always encourage our customers to always take just the amount that they need, regardless of qualifying for an even bigger amount. This way, you will be able to just for the money you borrowed instead of putting yourself in unnecessary debt.

Heartland Bank – Business loan

  • Loan Type Business loans
  • Interest Rate 9.9526.70% p/a
  • Loan Amount up to $250,000
  • Repayment 6 months to 5 years

Benefits of Heartland Bank

  • Easy online application
  • Reliable business loans
  • Unsecured loans

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Heartland Bank - Reliable business funding

The money will be at your disposal in a few days

After we have dealt with the important part of the administration, we will move further to approve your loan and depositing the money in a few business days. After the money has left Heartland Bank, we are no longer responsible for the turnaround time.

When your loan application is rejected

There could be a number of reasons that would lead to having your fast cash loan application declined. The reason we need to look at your financial records is so that we don’t overwhelm you further when you are already battling to fulfill your monthly expenses.

Furthermore, you might have a bad credit history that may be too bad to fix. We will give valid reasons as to why we had to turn down your credit request and we will further advise you on what you need to do in the future to ensure that you get approved the next time you apply.

New businesses

Heartland Bank is not a financial service provider that is looking for a successful business only. We also look into companies that just opened shop or have only been in the market for a few months. At the end of the day, we want everybody to prosper without doubting the size or description of their enterprise.

Therefore, we welcome business finance applications from anybody and we follow a sequence. We are a fair credit provider which means that we will never favor one credit request over the other. It is important that customers realize that they not competing, we are going to help every entrepreneur that meets our credit criteria.

The amount you can borrow

The amount of money you want to borrow will depend on what you want to do for your organization. If it is minor works, you can borrow a maximum of $10 000. However, if you want to purchase machinery, for instance, you can borrow a maximum of $75 000. Always borrow the money you are certain you will have the capacity to pay for.

If you are not certain about paying the loan you intend on applying for, rather don’t apply for credit that will put you in bad records. It takes years for you to clear your name if you are a bad credit payer. As a business owner, you don’t need this could of negative status. Always pay your debts and pay them earlier if you can.

Customer Reviews & Testimonials

You can get a loan with them of up to $100000 without having to use your home as collateral and that is a great deal for any business owner and then to have a great service that is just a bonus.

David C
— Auckland —

When you are on the site and you need to apply fast all you have to do is place your amount on the first page and the reason you are applying and press apply and it will all start from there.

Kate X
— Wellington —

We recommend them with the great service that they offer and they are always around to help you with queries we will never go anywhere else again.

Jocelyn M
— Auckland —

Heartland Bank Contact

Physical Address

Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed