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Minnesota Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 Baxter Credit UnionBaxter Credit Union2 Scimed Pl, Maple Grove, MN, 55311 1565A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Carpenters Federal Credit UnionCarpenters Federal Credit Union720 Olive St, Saint Paul, MN, 55130 4405A+5.0 ★Texas Ratio: 0.75% offering 2022 - 2026 New & Used Vehicles Loan at 3.79%, TopLine Financial Credit UnionTopLine Financial Credit Union9353 Jefferson Hwy, Maple Grove, MN, 55369A+5.0 ★Texas Ratio: 4.88% offering 2022 & Newer Auto Loan at 3.99%, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL18146 198th Ave NW, Big Lake, MN, 55309 4653A5.0 ★Texas Ratio: 8.37% offering New Auto 2025 & Newer at 3.99%, Hometown Federal Credit UnionHometown Federal Credit Union2400 W Bridge St, Owatonna, MN, 55060 5003A+5.0 ★Texas Ratio: 3.75% offering Auto Loan - 2025 & Newer at 3.99%. Auto loan rates as of September 21, 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 3.64% APR from Baxter Credit Union at 2 Scimed Pl, Maple Grove, MN, 55311 1565. Rates are continually updated, so 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: September 21, 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
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rate available on 2022 and newer vehicles. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Loan subject to approval. Additional terms may be available. Rates, terms and conditions subject to change. Rates will be higher on loans with a Loan-to-Value ratio over 90%. Offer does not apply to existing TopLine auto loans. During 90-day no payment period, interest will accrue. Payment due date will be 90 days after the funding date. Must meet certain credit qualifications for 90-day no payment offer.
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2400 W Bridge St, Owatonna, MN, 55060 5003
Auto Loan - 2025 & Newer
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.00%
36-Month
▼
APR4.00%
Term36-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2025 and newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2400 W Bridge St, Owatonna, MN, 55060 5003
Auto Loan - 2024 & Older
4.24%
36 months
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedSep 21, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 48 Months
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.25%
36-Month
▼
APR4.25%
Term36-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.25%
48-Month
▼
APR4.25%
Term48-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2025 and newer
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedSep 18, 2026
Details
As low as*
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
New Auto Loans
4.29%
2023+ model years
▼
APR4.29%
Interest Rate4.29%
Term2023+ model years
Last UpdatedSep 18, 2026
Details
No payments for 60 days. Other terms and rates available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN, 55016 5031
New & Used Auto Loans
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As*; Not all will qualify for lowest rate.
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
501 16th St SE, Rochester, MN, 55904
Auto Loan
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedSep 18, 2026
Details
APR*
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; *** Note: 84 month term has an asterisk.
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2021 - 2020 Auto Loan
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 - 2020
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
Model Year: 2022 & Newer; As Low As
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Auto Loan
4.49%
3-Year Term
▼
APR4.49%
Term3-Year Term
Last UpdatedSep 21, 2026
Details
As Low As; Auto Loan Rates
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 84 Months
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.50%
48-Month
▼
APR4.50%
Term48-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2024
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.50%
60-Month
▼
APR4.50%
Term60-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2025 and newer
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
4450 W 76th St, Edina, MN, 55435
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
▼
APR4.54%
Term24 Month
Last UpdatedSep 18, 2026
Details
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
New/Nearly New Vehicles Loan
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
** Current or previous year with less than 12,000
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
501 16th St SE, Rochester, MN, 55904
Auto Loan
4.74%
37-60 months
▼
APR4.74%
Term37-60 months
Last UpdatedSep 18, 2026
Details
APR*
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 36 Months
4.74%
36 Months*
▼
APR4.74%
Interest Rate4.74%
Term36 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
Offer valid on new/used auto. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis. For joint loans, the average credit score is used. APR = Annual Percentage Rate. Rates apply to 2016-2026 model years. Price adjustment: +1% for 2011-2015 collateral, with a maximum term of 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
161 Marie Ave E, West St Paul, MN, 55118 4004
Vehicle Loan
4.74%
up to 84 month term
▼
APR4.74%
Termup to 84 month term
Last UpdatedSep 18, 2026
Details
As Low As; new up to 100% financing
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
161 Marie Ave E, West St Paul, MN, 55118 4004
Vehicle Loan
4.74%
up to 72 month term
▼
APR4.74%
Termup to 72 month term
Last UpdatedSep 18, 2026
Details
As Low As; used up to 90% financing
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As; *** Note: 84 month term has an asterisk.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional - 2022 & Newer Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
starting at
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rate available on 2022 and newer vehicles. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Loan subject to approval. Additional terms may be available. Rates, terms and conditions subject to change. Rates will be higher on loans with a Loan-to-Value ratio over 90%. Offer does not apply to existing TopLine auto loans. During 90-day no payment period, interest will accrue. Payment due date will be 90 days after the funding date. Must meet certain credit qualifications for 90-day no payment offer.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 36 month
4.74%
36 month
▼
APR4.74%
Term36 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 48 month
4.74%
48 month
▼
APR4.74%
Term48 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 36 month
4.74%
36 month
▼
APR4.74%
Term36 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 48 month
4.74%
48 month
▼
APR4.74%
Term48 month
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
4.75%
60-Month
▼
APR4.75%
Term60-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2024
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Used Auto Loans
4.79%
201 months
▼
APR4.79%
Interest Rate4.79%
Term201 months
Last UpdatedSep 18, 2026
Details
Term: 2018 - 2022 model years; Other terms and rates available.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 18, 2026
Details
As low as
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Autos & Trucks
4.87%
36 Month Terms
▼
APR4.87%
Term36 Month Terms
Last UpdatedSep 21, 2026
Details
Drive happy with great rates and local service.
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
501 16th St SE, Rochester, MN, 55904
Auto Loan
4.99%
61-75 months
▼
APR4.99%
Term61-75 months
Last UpdatedSep 18, 2026
Details
APR*
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 36 Months
4.99%
36 Months*
▼
APR4.99%
Interest Rate4.99%
Term36 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As; *** Note: 84 month term has an asterisk.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2019 - 2017 Auto Loan
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2019 - 2017
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2021 - 2020 Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 - 2020
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2022 & Newer; As Low As
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021; As Low As
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedSep 21, 2026
Details
2024 and newer
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 60 month
4.99%
60 month
▼
APR4.99%
Term60 month
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedSep 21, 2026
Details
2024 - 2025
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
4.99%
Up to 48 MONTHS
▼
APR4.99%
Interest Rate4.99%
TermUp to 48 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.06%
72 Months
▼
APR5.06%
Term72 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.07%
60 Months
▼
APR5.07%
Term60 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.09%
Up to 60 MONTHS
▼
APR5.09%
Interest Rate5.09%
TermUp to 60 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.11%
12 Months
▼
APR5.11%
Term12 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.19%
37-60 Months
▼
APR5.19%
Term37-60 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
Older Vehicle Loan
5.19%
Up to 36 Months
▼
APR5.19%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2020 and Older
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.19%
up to 48 months
▼
APR5.19%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedSep 21, 2026
Details
2024 and newer
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.19%
72 MONTHS
▼
APR5.19%
Interest Rate5.19%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 0-2 years
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
501 16th St SE, Rochester, MN, 55904
Auto Loan
5.24%
76-84 months
▼
APR5.24%
Term76-84 months
Last UpdatedSep 18, 2026
Details
APR*
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 48 Months
5.24%
48 Months*
▼
APR5.24%
Interest Rate5.24%
Term48 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.24%
60 mo.
▼
APR5.24%
Term60 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; *** Note: 84 month term has an asterisk.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedSep 18, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedSep 21, 2026
Details
2020 - 2023 model years.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 72 month
5.24%
72 month
▼
APR5.24%
Term72 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 60 month
5.24%
60 month
▼
APR5.24%
Term60 month
Last UpdatedSep 21, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2021 and Older
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 18, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
5.25%
36-Month
▼
APR5.25%
Term36-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2017 or older
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.25%
3 Years
▼
APR5.25%
Term3 Years
Last UpdatedSep 18, 2026
Details
As low as*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
New Auto
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 18, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Used Auto
5.25%
24 months
▼
APR5.25%
Term24 months
Last UpdatedSep 18, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
0-39 months
▼
APR5.25%
Term0-39 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
52-63 months
▼
APR5.25%
Term52-63 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
64-75 months
▼
APR5.25%
Term64-75 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
75 months
▼
APR5.25%
Term75 months
Last UpdatedSep 18, 2026
Details
Model 2024 - 2025; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
66 months
▼
APR5.25%
Term66 months
Last UpdatedSep 18, 2026
Details
Model 2023; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
54 months
▼
APR5.25%
Term54 months
Last UpdatedSep 18, 2026
Details
Model 2022; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
51 months
▼
APR5.25%
Term51 months
Last UpdatedSep 18, 2026
Details
Model 2021; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 18, 2026
Details
Model 2019 - 2020; APR* as low as: 5.25%
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.29%
up to 72 months
▼
APR5.29%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.29%
up to 84 months
▼
APR5.29%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
5.29%
72 months
▼
APR5.29%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
VEHICLE LOANS
5.29%
84 MONTHS
▼
APR5.29%
Interest Rate5.29%
Term84 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.31%
72 Months
▼
APR5.31%
Term72 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
5.35%
84 Months
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 18, 2026
Details
As low as
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
Used Vehicles Loan
5.36%
Up to 36 Months
▼
APR5.36%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
** Less than 6 years old
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.36%
12 Months
▼
APR5.36%
Term12 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 3-5 years
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2021 - 2020 Auto Loan
5.39%
48 months
▼
APR5.39%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 - 2020
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
5.39%
48 months
▼
APR5.39%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2022 & Newer; As Low As
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2700 Hennepin Ave, Minneapolis, MN, 55408
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.44%
61-72 Months
▼
APR5.44%
Term61-72 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 48 Months
5.49%
48 Months*
▼
APR5.49%
Interest Rate5.49%
Term48 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 60 Months
5.49%
60 Months*
▼
APR5.49%
Interest Rate5.49%
Term60 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
2026-2025 NEW / UNDER 7,000 MILES Vehicle Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
Example of payment: pay $19.10 per month per $1,000 borrowed for 60 months at 5.49% APR, based on a 2026 new vehicle.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedSep 18, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2016 - 2012 Auto Loan
5.49%
24 months
▼
APR5.49%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2016 - 2012
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2019 - 2017 Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2019 - 2017
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2021 - 2020 Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 - 2020
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2022 & Newer; As Low As
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional Rate
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021; As Low As
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 72 month
5.49%
72 month
▼
APR5.49%
Term72 month
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedSep 21, 2026
Details
2021 - 2023
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2021 and Older
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Used Auto
5.50%
24 months
▼
APR5.50%
Term24 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
5.50%
48-Month
▼
APR5.50%
Term48-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2017 or older
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.50%
4 Years
▼
APR5.50%
Term4 Years
Last UpdatedSep 18, 2026
Details
As low as*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Used Auto
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 18, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2023+
5.54%
84 Months
▼
APR5.54%
Term84 Months
Last UpdatedSep 18, 2026
Details
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.59%
up to 72 months
▼
APR5.59%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Vehicle Loan
5.59%
up to 84 months
▼
APR5.59%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As low as; ZERO DOWN*
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2700 Hennepin Ave, Minneapolis, MN, 55408
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.62%
36 Months
▼
APR5.62%
Term36 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 6-10 years
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.64%
72 months
▼
APR5.64%
Term72 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
New/Nearly New Vehicles Loan
5.65%
Up to 72 Months
▼
APR5.65%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.69%
73 to 84 Months
▼
APR5.69%
Term73 to 84 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
Older Vehicle Loan
5.69%
37-60 Months
▼
APR5.69%
Term37-60 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2020 and Older
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedSep 21, 2026
Details
2019 - 2020
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
400 4th Ave NE, Austin, MN, 55912
Auto Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedSep 21, 2026
Details
Vehicle Age: 6-10 years
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
Auto Loans - 60 Months
5.74%
60 Months*
▼
APR5.74%
Interest Rate5.74%
Term60 Months*
Last UpdatedSep 18, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.74%
84 mo.
▼
APR5.74%
Term84 mo.
Last UpdatedSep 18, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
Used Autos 2017-2021
5.74%
36 mo.
▼
APR5.74%
Term36 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; *** Note: 84 month term has an asterisk.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
14601 27th Ave N, Plymouth, MN, 55447
Auto Loans - Model Year 2022 & Older
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 84 month
5.74%
84 month**
▼
APR5.74%
Term84 month**
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2021 and Older
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan
5.75%
60-Month
▼
APR5.75%
Term60-Month
Last UpdatedSep 18, 2026
Details
Model Year: 2017 or older
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2022 & Older Loan
5.75%
3 Years
▼
APR5.75%
Term3 Years
Last UpdatedSep 18, 2026
Details
As low as*
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.75%
5 Years
▼
APR5.75%
Term5 Years
Last UpdatedSep 18, 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
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2400 W Bridge St, Owatonna, MN, 55060 5003
Auto Loan - 2025 & Newer
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 48 Months
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedSep 18, 2026
Details
As low as*
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
New Auto Loans
4.29%
2023+ model years
▼
APR4.29%
Interest Rate4.29%
Term2023+ model years
Last UpdatedSep 18, 2026
Details
No payments for 60 days. Other terms and rates available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN, 55016 5031
New & Used Auto Loans
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As*; Not all will qualify for lowest rate.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 18, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
New Auto (2025 & Newer) - Up to 84 Months
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
4450 W 76th St, Edina, MN, 55435
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
▼
APR4.54%
Term24 Month
Last UpdatedSep 18, 2026
Details
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
New/Nearly New Vehicles Loan
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
** Current or previous year with less than 12,000
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
Offer valid on new/used auto. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis. For joint loans, the average credit score is used. APR = Annual Percentage Rate. Rates apply to 2016-2026 model years. Price adjustment: +1% for 2011-2015 collateral, with a maximum term of 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Auto Loan Promotional - 2022 & Newer Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 36 month
4.74%
36 month
▼
APR4.74%
Term36 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 48 month
4.74%
48 month
▼
APR4.74%
Term48 month
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 18, 2026
Details
As low as
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedSep 18, 2026
Details
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedSep 21, 2026
Details
2024 and newer
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 60 month
4.99%
60 month
▼
APR4.99%
Term60 month
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.19%
37-60 Months
▼
APR5.19%
Term37-60 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedSep 21, 2026
Details
2024 and newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021 and newer
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.24%
60 mo.
▼
APR5.24%
Term60 mo.
Last UpdatedSep 18, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 72 month
5.24%
72 month
▼
APR5.24%
Term72 month
Last UpdatedSep 21, 2026
Details
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.25%
3 Years
▼
APR5.25%
Term3 Years
Last UpdatedSep 18, 2026
Details
As low as*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
New Auto
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 18, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
0-39 months
▼
APR5.25%
Term0-39 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
52-63 months
▼
APR5.25%
Term52-63 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
64-75 months
▼
APR5.25%
Term64-75 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
75 months
▼
APR5.25%
Term75 months
Last UpdatedSep 18, 2026
Details
Model 2024 - 2025; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
66 months
▼
APR5.25%
Term66 months
Last UpdatedSep 18, 2026
Details
Model 2023; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
54 months
▼
APR5.25%
Term54 months
Last UpdatedSep 18, 2026
Details
Model 2022; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
51 months
▼
APR5.25%
Term51 months
Last UpdatedSep 18, 2026
Details
Model 2021; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 18, 2026
Details
Model 2019 - 2020; APR* as low as: 5.25%
TopLine Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
9353 Jefferson Hwy, Maple Grove, MN, 55369
2022 & Newer Auto Loan
5.29%
72 months
▼
APR5.29%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 & Newer
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
18146 198th Ave NW, Big Lake, MN, 55309 4653
New Auto 2025 & Newer
5.35%
84 Months
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 18, 2026
Details
As low as
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2700 Hennepin Ave, Minneapolis, MN, 55408
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.44%
61-72 Months
▼
APR5.44%
Term61-72 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
14989 Florence Trl, Apple Valley, MN, 55124
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedSep 18, 2026
Details
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
2026-2025 NEW / UNDER 7,000 MILES Vehicle Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
Example of payment: pay $19.10 per month per $1,000 borrowed for 60 months at 5.49% APR, based on a 2026 new vehicle.
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Autos, SUVs, Pick Up Trucks - 2022 to New
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedSep 18, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.50%
4 Years
▼
APR5.50%
Term4 Years
Last UpdatedSep 18, 2026
Details
As low as*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
30 7th St E Ste 265, Saint Paul, MN, 55101 4958
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.64%
72 months
▼
APR5.64%
Term72 months
Last UpdatedSep 21, 2026
Details
Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
New/Nearly New Vehicles Loan
5.65%
Up to 72 Months
▼
APR5.65%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.69%
73 to 84 Months
▼
APR5.69%
Term73 to 84 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
New Autos 2022-newer
5.74%
84 mo.
▼
APR5.74%
Term84 mo.
Last UpdatedSep 18, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
NEW AUTO (2025- 2026) - 84 month
5.74%
84 month**
▼
APR5.74%
Term84 month**
Last UpdatedSep 21, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
1151 Southview Blvd, South St Paul, MN, 55075
New Auto Loan
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedSep 21, 2026
Details
Model Years: 2021 and Newer
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
New Auto
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Vehicles 2023 & Newer Loan
5.75%
5 Years
▼
APR5.75%
Term5 Years
Last UpdatedSep 18, 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: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
8711 E Point Douglas Rd S Ste 101, Cottage Grove, MN, 55016 5031
New & Used Auto Loans
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As*; Not all will qualify for lowest rate.
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
3152 17th Ave S, Minneapolis, MN, 55407
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
Offer valid on new/used auto. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis. For joint loans, the average credit score is used. APR = Annual Percentage Rate. Rates apply to 2016-2026 model years. Price adjustment: +1% for 2011-2015 collateral, with a maximum term of 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 36 month
4.74%
36 month
▼
APR4.74%
Term36 month
Last UpdatedSep 21, 2026
Details
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 48 month
4.74%
48 month
▼
APR4.74%
Term48 month
Last UpdatedSep 21, 2026
Details
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Used Auto Loans
4.79%
201 months
▼
APR4.79%
Interest Rate4.79%
Term201 months
Last UpdatedSep 18, 2026
Details
Term: 2018 - 2022 model years; Other terms and rates available.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 21, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 21, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedSep 21, 2026
Details
2024 - 2025
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.19%
37-60 Months
▼
APR5.19%
Term37-60 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8111 Lyndale Ave S, Bloomington, MN, 55420
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedSep 21, 2026
Details
2020 - 2023 model years.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 60 month
5.24%
60 month
▼
APR5.24%
Term60 month
Last UpdatedSep 21, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Used Auto
5.25%
24 months
▼
APR5.25%
Term24 months
Last UpdatedSep 18, 2026
Details
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
0-39 months
▼
APR5.25%
Term0-39 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
52-63 months
▼
APR5.25%
Term52-63 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
64-75 months
▼
APR5.25%
Term64-75 months
Last UpdatedSep 18, 2026
Details
Models 2026 New or Used; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
75 months
▼
APR5.25%
Term75 months
Last UpdatedSep 18, 2026
Details
Model 2024 - 2025; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
66 months
▼
APR5.25%
Term66 months
Last UpdatedSep 18, 2026
Details
Model 2023; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
54 months
▼
APR5.25%
Term54 months
Last UpdatedSep 18, 2026
Details
Model 2022; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
51 months
▼
APR5.25%
Term51 months
Last UpdatedSep 18, 2026
Details
Model 2021; APR* as low as: 5.25%
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
New & Used Auto
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 18, 2026
Details
Model 2019 - 2020; APR* as low as: 5.25%
Danfoss Employees Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.81%
14900 Technology Dr, Eden Prairie, MN, 55344 2208
Used Vehicles Loan
5.36%
Up to 36 Months
▼
APR5.36%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
** Less than 6 years old
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.44%
61-72 Months
▼
APR5.44%
Term61-72 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420
USED AUTO (2020 - 2025) - 72 month
5.49%
72 month
▼
APR5.49%
Term72 month
Last UpdatedSep 21, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedSep 21, 2026
Details
2021 - 2023
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
360 Sherman St, Saint Paul, MN, 55102
Used Auto (2024-2018) Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Used Auto
5.50%
24 months
▼
APR5.50%
Term24 months
Last UpdatedSep 18, 2026
Details
loan rates start at
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Used Auto
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2700 Hennepin Ave, Minneapolis, MN, 55408
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
5500 S Robert Trl, Inver Grove Heights, MN, 55077
New & Used Vehicle Loan
5.69%
73 to 84 Months
▼
APR5.69%
Term73 to 84 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2021 and Newer
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
217 W 42nd St, Hibbing, MN, 55746
Used Vehicle Loan
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedSep 21, 2026
Details
2019 - 2020
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
400 Little Canada Rd E, Little Canada, MN, 55117
Used Autos 2017-2021
5.74%
36 mo.
▼
APR5.74%
Term36 mo.
Last UpdatedSep 18, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedSep 18, 2026
Details
loan rates start at
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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
5.327%
▲ 0.020 vs 7 days ago
Minnesota new auto rates rose 0.020 points over the past 7 days to 5.327% APR.
Used Auto Loan MN Avg
5.797%
▼ 0.738 vs 7 days ago
Minnesota used auto rates fell 0.738 points over the past 7 days to 5.797% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Minnesota Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Minnesota figures.
Current New Auto Avg
5.33%
APR, as of Sep 22, 2026
6-Month Forecast
5.41%
Fed hold assumed
12-Month Forecast
5.48%
Range: 5.13% to 5.68%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Minnesota APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.33% APR MN average | Used Auto @ 5.80% APR MN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.32/mo | $288.58/mo | $3.26/mo |
| $25,000 | $475.53/mo | $480.97/mo | $5.43/mo |
| $35,000 | $665.74/mo | $673.35/mo | $7.61/mo |
| $45,000 | $855.96/mo | $865.74/mo | $9.78/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Minnesota
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Minnesota locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Minnesota. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Minnesota high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Minnesota CD rates lock in a guaranteed return until you’re ready to buy
Minnesota Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$50,838
Median Individual Earnings
National avg: $47,340
4.1%
Unemployment Rate
National avg: 4.8%
9.3%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At MN new-auto avg 5.33% APR
A $571 monthly car payment works out to roughly 13.5% of the median individual income in Minnesota. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Minnesota, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Minnesota. We’ve prefilled the APR with today’s MN new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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.
Should I get preapproved for an auto loan before visiting a dealer in Minnesota?
Yes. A preapproval from a bank or credit union serving Minnesota gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Minnesota can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
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:
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Carpenters Federal Credit Union: 3.79% (2022 - 2026 New & Used Vehicles Loan)
- TopLine Financial Credit Union: 3.99% (2022 & Newer Auto Loan)
- Credit Union 1 Credit Union Rantoul, IL: 3.99% (New Auto 2025 & Newer)
- Hometown Federal Credit Union: 3.99% (Auto Loan - 2025 & Newer)
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: September 21, 2026
Auto Loan Rates by City in Minnesota
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