Auto Loan Rates in Minnesota (MN) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Minnesota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Minnesota include Carpenters Federal Credit UnionCarpenters Federal Credit Union720 Olive St, Saint Paul, MN, 55130 4405A+5.0 ★Texas Ratio: 1.73% offering 2022 - 2026 New & Used Vehicles Loan at 4.04%, My Credit Union Bloomington, MNMy Credit Union Bloomington, MN4025 W Old Shakopee Rd, Bloomington, MN, 55437A5.0 ★Texas Ratio: 7.51% offering Auto Loan at 4.49%, Unity One Credit UnionUnity One Credit Union1535 Beam Ave, Maplewood, MN, 55109A+5.0 ★Texas Ratio: 3.61% offering Auto Loan at 4.49%, Royal Credit UnionRoyal Credit Union4450 W 76th St, Edina, MN, 55435A+5.0 ★Texas Ratio: 4.76% offering Auto Loan at 4.54%, Ideal Credit UnionIdeal Credit Union8499 Tamarack Rd, Woodbury, MN, 55125 9201A+5.0 ★Texas Ratio: 5.03% offering Auto Loan at 4.59%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Minnesota side-by-side. Minnesota auto loan rates currently start as low as 4.04% APR from Carpenters Federal Credit Union at 720 Olive St, Saint Paul, MN, 55130 4405. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Minnesota. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Minnesota
Minnesota Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN, 55437
Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 10, 2026
Details
As Low As; No payments for up to 60 days; Finance up to 125% loan to value; .25% APR discount for members with an active MY CREDIT UNION Checking Account or Rewards Visa Card; For Loans being refinanced and brought to MY CREDIT UNION - we will cover the MN title transfer fee
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
1535 Beam Ave, Maplewood, MN, 55109
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
4450 W 76th St, Edina, MN, 55435
Auto Loan
4.54%
24 Month
▼
APR4.54%
Term24 Month
Last UpdatedJul 13, 2026
Details
2023 & Newer Vehicles
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
2022 and newer
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $29.85
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
4.79%
Up to 48 months
▼
APR4.79%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
2022 and newer
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Autos & Trucks
4.87%
36 Month
▼
APR4.87%
Term36 Month
Last UpdatedJul 6, 2026
Details
As Low As; Drive happy with great rates and local service.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2024 - 2025
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedJul 10, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $23.02
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
4.99%
Up to 48 MONTHS
▼
APR4.99%
TermUp to 48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
New Auto/Truck/Van
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.04%
Up to 60 months
▼
APR5.04%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
2022 and newer
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.06%
72 Months
▼
APR5.06%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.07%
60 Months
▼
APR5.07%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
1535 Beam Ave, Maplewood, MN, 55109
Auto Loan
5.09%
Up to 48 Months
▼
APR5.09%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.09%
Up to 60 MONTHS
▼
APR5.09%
TermUp to 60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.11%
12 Months
▼
APR5.11%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.14%
Up to 36 months
▼
APR5.14%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
2021 and older
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.19%
72 MONTHS
▼
APR5.19%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 84 Months
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
2022 and newer
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedJul 15, 2026
Details
2020 - 2023 model years.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.29%
Up to 48 months
▼
APR5.29%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
2021 and older
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
1535 Beam Ave, Maplewood, MN, 55109
Auto Loan
5.29%
Up to 66 Months
▼
APR5.29%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2022 and Newer;*
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.29%
84 MONTHS
▼
APR5.29%
Term84 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.31%
72 Months
▼
APR5.31%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.36%
12 Months
▼
APR5.36%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
11681 Theatre Dr N, Champlin, MN, 55316 2752
Auto Loan
5.49%
up to 48 months
▼
APR5.49%
Termup to 48 months
Last UpdatedJul 10, 2026
Details
As Low As
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 10, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 - 2023
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedJul 10, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
2021 and older
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.10
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.59%
Up to 72 months
▼
APR5.59%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
2021 and older
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
5.62%
36 Months
▼
APR5.62%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2019 - 2020
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 10, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $16.45
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 10, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
8499 Tamarack Rd, Woodbury, MN, 55125 9201
Auto Loan
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
must be 2022 or newer**
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
1535 Beam Ave, Maplewood, MN, 55109
Auto Loan
5.79%
Up to 75 Months
▼
APR5.79%
TermUp to 75 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2022 and Newer;*
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.81%
72 Months
▼
APR5.81%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.82%
60 Months
▼
APR5.82%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.86%
12 Months
▼
APR5.86%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2020-2025
5.95%
60 months
▼
APR5.95%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.99%
84 month term
▼
APR5.99%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $14.60
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 10, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2018 & Older (Rate +
6.19%
36 Month
▼
APR6.19%
Term36 Month
Last UpdatedJul 10, 2026
Details
$5,000
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2020 and Older
6.24%
36 month term
▼
APR6.24%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $30.53
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
6.37%
36 Months
▼
APR6.37%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
6.44%
24 Months
▼
APR6.44%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
6.44%
48 Months
▼
APR6.44%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2020 and Older
6.49%
48 month term
▼
APR6.49%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $24.71
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Equity Vehicle Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
6.56%
72 Months
▼
APR6.56%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
6.57%
60 Months
▼
APR6.57%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
6.62%
12 Months
▼
APR6.62%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2018 & Older (Rate
6.69%
36 Month
▼
APR6.69%
Term36 Month
Last UpdatedJul 10, 2026
Details
$5,000
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2020 and Older
6.99%
60 month term
▼
APR6.99%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.80
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2015-2019
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2020 and Older
7.24%
72 month term
▼
APR7.24%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $17.16
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2020 & Older
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 10, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2020 and Older
7.49%
84 month term
▼
APR7.49%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $15.33
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Equity Vehicle Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2020 & Older
7.99%
120 Months
▼
APR7.99%
Term120 Months
Last UpdatedJul 10, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Older Used Vehicle Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Auto Loans
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Maximum Loan Amount: $40,000.00. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2007-2014
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedJul 15, 2026
Details
as low as
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
1535 Beam Ave, Maplewood, MN, 55109
Auto Loan
9.90%
Up to 36 Months
▼
APR9.90%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Used Models 2019;*
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2000-2006
10.75%
36 months
▼
APR10.75%
Term36 months
Last UpdatedJul 15, 2026
Details
as low as
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Auto Loans
12.49%
48 Months
▼
APR12.49%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Maximum Loan Amount: $40,000.00. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 1999 & Older
12.50%
24 months
▼
APR12.50%
Term24 months
Last UpdatedJul 15, 2026
Details
as low as
Powered by
MonitorBankRates
Minnesota New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $29.85
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $23.02
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
New Auto/Truck/Van
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 10, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.10
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $16.45
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 10, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
1151 Southview Blvd, South St Paul, MN, 55075
Auto Loan 2021 and Newer
5.99%
84 month term
▼
APR5.99%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $14.60
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 10, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Powered by
MonitorBankRates
Minnesota Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2024 - 2025
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedJul 10, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.06%
72 Months
▼
APR5.06%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.07%
60 Months
▼
APR5.07%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.11%
12 Months
▼
APR5.11%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 84 Months
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedJul 15, 2026
Details
2020 - 2023 model years.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.31%
72 Months
▼
APR5.31%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.36%
12 Months
▼
APR5.36%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 10, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 - 2023
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedJul 10, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
5.62%
36 Months
▼
APR5.62%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2019 - 2020
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 10, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 10, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
5.81%
72 Months
▼
APR5.81%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
5.82%
60 Months
▼
APR5.82%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
5.86%
12 Months
▼
APR5.86%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2020-2025
5.95%
60 months
▼
APR5.95%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 10, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2018 & Older (Rate +
6.19%
36 Month
▼
APR6.19%
Term36 Month
Last UpdatedJul 10, 2026
Details
$5,000
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 36 Months
6.37%
36 Months
▼
APR6.37%
Term36 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 24 Months
6.44%
24 Months
▼
APR6.44%
Term24 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 48 Months
6.44%
48 Months
▼
APR6.44%
Term48 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 72 Months
6.56%
72 Months
▼
APR6.56%
Term72 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 60 Months
6.57%
60 Months
▼
APR6.57%
Term60 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Used Car Loan - 12 Months
6.62%
12 Months
▼
APR6.62%
Term12 Months
Last UpdatedJul 6, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2018 & Older (Rate
6.69%
36 Month
▼
APR6.69%
Term36 Month
Last UpdatedJul 10, 2026
Details
$5,000
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2015-2019
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2020 & Older
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 10, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan 2020 & Older
7.99%
120 Months
▼
APR7.99%
Term120 Months
Last UpdatedJul 10, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Older Used Vehicle Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2007-2014
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2000-2006
10.75%
36 months
▼
APR10.75%
Term36 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 1999 & Older
12.50%
24 months
▼
APR12.50%
Term24 months
Last UpdatedJul 15, 2026
Details
as low as
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MonitorBankRates
Minnesota Auto Loan Rate Trends
Compare local Minnesota auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MN Avg
5.368%
▼ 0.095 vs 7 days ago
Minnesota new auto rates fell 0.095 points over the past 7 days to 5.368% APR.
Used Auto Loan — MN Avg
6.266%
▲ 0.084 vs 7 days ago
Minnesota used auto rates rose 0.084 points over the past 7 days to 6.266% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Minnesota auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Minnesota directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Minnesota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Minnesota
How does my credit score affect my car loan rate in Minnesota?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Minnesota with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Minnesota *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Minnesota typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Minnesota?
Based on our current data, some of the lowest auto loan rates available in Minnesota include:
- Carpenters Federal Credit Union: 4.04% (2022 - 2026 New & Used Vehicles Loan)
- My Credit Union Bloomington, MN: 4.49% (Auto Loan)
- Unity One Credit Union: 4.49% (Auto Loan)
- Royal Credit Union: 4.54% (Auto Loan)
- Ideal Credit Union: 4.59% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Minnesota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Minnesota
Rate Assistant
MonitorBankRates.com · Live Data
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