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Land Loan

When you’ve found the perfect place to build.

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Land Loan


  • Helps you finance land purchases for building your primary residence


  • For financing unimproved residential lots
  • Finance up to 80% of the lot value
  • 1-year maximum term


Experienced, helpful loan professionals are ready to support you!


Live Chat

Chat Available Mon-Fri, 8 am-5 pm Eastern

Personal Loan Guidance

  • Experienced loan team to support you1
  • Direct line of communication to your personal loan expert
  • Closing location of your choice

Why Consider Elements for a Loan


Elements Financial is a credit union. That means we’re like a bank, only better! Securing your land loan through Elements Financial means you will benefit from:

  • Better rates & fewer fees – On average, an Elements Financial member saves an estimated $309 each year compared to customers elsewhere.2
  • Personal attention – Headquartered in Indianapolis, with member service available 24/7.
  • Today’s technology – We offer online banking, making it easy to pay your loan every month.
  • Heritage – Nearly 90 years of experience building and nurturing lifelong relationships with members.
  • Seasoned professionals – Our experienced team will walk you through the loan process, step-by-step.
  • Credit counseling – If you're working toward a loan application, pursue our confidential and supportive assistance to develop healthier financial habits for life.

How to Get Started


You can apply online in as little as 10 minutes! Or call 1-800-561-9433 to get started.

What you’ll need to apply:

    • Your government-issued ID (driver’s license, state ID or passport)
    • Estimates of your household income, assets, home value and price you paid for your home

From application to closing takes an average of 30 days. What to expect during the application process:

  1. We’ll contact you within 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
  2. We’ll be in close contact with you throughout the process until final loan approval. Your closing will be scheduled at a location convenient for you if approved.
  3. That’s it – your land loan is complete!
  1. 1 Nationwide Mortgage Licensing System Registrants: Nationwide Mortgage Licensing System Registrants: Elements Financial FCU 410639, Barbara L Allen 609733, Luis Aparicio 144043, Cynthia Bell 427359, Mary Bell 562458, Deborah Benson 1093386, Nyla Bivens 1128100, Jamie Bonner 435395, Laura Bordenkecher 1590841, Dawn Michelle Bruce 899516, Julie Bowering 443400, Tracee Buckrop 609727, Karla Chevrie 404630, Christine Clark 609734, Mary Ann Deckard 1259646, Ashlie M Dew 539208, Curtis Neal Dodd 200259, Ron E Ellis Jr 1207645, Kara Michelle Fischer 1469113, Tami Renee Forsythe 609730, Terry Foster 484700, Lenore Gallagher 975065, Sherry Gaw 988244, Alicia Gerber 968201, Jennifer Giddens 609735, Robert Goodwin 975067, Abigail Hall 1469114, Theresa Iaria 1128103, Christoper Kerr 143199, Andee Kettlebar 443776, Jill Kidwell 609731, Sara Keedy 1512646, Sean Kiely 425511, Teresa Ledford 444283, Cindy Leisure 1080329, Rebecca Littell 996455, Kristy Mars 609725, Beverly Marshall 444941, Stacey McDaniel 1157444, Alexander J Menestrina 1190426, Justin D Montour 1198316, Terri Mossbrucker 1385461, Kristina Mowery 916118, Amber D Murphy 1082684, Constance Nelson 975071, Regina Norman 1080327, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Janene Petree 1529353, Kim Purkhiser 1313210, Tania Query 608383, Michael J. Quinn 563350, Rebecca Rice 1007612, Miranda Grace Renee Rizzo 1198315, Janai S Roberts 252636, Susan Roberts 975068, Ron Senci 1068152, Brad Smith 906855, Amy Lynn Stokes 1387213, Bradley Thompson 609732, Alycia Willert 1102478, Judy Wilson 975070, Chelsie Winbun 1601312
  2. 2 Competitive Values are estimated by comparing historical rates and fees at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 8/31/16.