Auto Loans. It's an Easy Ride.

From applying to signing on the dotted line, it can all be done digitally, from anywhere. And within just a couple of hours.

Josh, a Minnesota resident, in front of an SUV on a green background
Josh, Minnesota Resident

What you get

Flexible Terms

Along with competitive auto loan rates, you'll find terms up to 84 months. And there are no pre-payment penalties, if you want to pay off your loan early.*

Financing Options

We offer new loans for new or used vehicles, and can help refinance an existing auto loan. Get up to 100% financing, including license and fees.

A Quick Credit Decision

Find out right away if you're preapproved. Then usually within 2 business hours of getting your online application, we'll send you a follow-up email with your rate, term, and estimated monthly payment.

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

MyPlus Rewards

Use Points for a Lower Rate

After getting preapproved for an Auto Loan, you can redeem MyPlus Rewards™ points for a lower interest rate. Learn how much you can save.

What to expect after applying

Hear back instantly

You’ll find out whether or not you’re pre-approved right away.

Get your rate

Then usually within 2 business hours, we’ll send you a follow-up email with your rate, term and estimated monthly payment.

Send the purchase agreement

When you find the perfect car, fax or scan and email us the purchase agreement.

Sign everything digitally

We’ll send you your documents through DocuSign (a secure way to get digital signatures), so you can seal the deal from anywhere and be done!

Apply Now Check Rates

Consider Extra Protection

Mechanical Repair Coverage

Be prepared for breakdowns, and get all kinds of benefits with Mechanical Repair Coverage.

Guaranteed Asset Protection (GAP) Plus with Deductible Assistance

In the event of an accident or theft that results in a total insurance loss, GAP may be able to help supplement your primary insurance coverage. GAP Plus with Deductible Assistance.

Members Choice™ Borrower Security

Choose optional extra protection with disability, life, and/or unemployment MEMBERS CHOICETM Borrower Security.

Get no-haggle member pricing.

When you shop online with Affinity Plus Car Buying Service powered by TRUECar, you'll find everything on one simple site. Search inventory from certified dealers across the whole state, and be confident that you're getting a good deal.

Josh, a Minnesota resident, on a green background.
Josh, Minnesota Resident

Auto Loan Disclosure

* Payment Example: A loan for 84 months at 6.49% APR will result in an approximate monthly payment of $14.84 per $1,000 borrowed.

GAP Plus Disclosure

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the total cost of GAP due to interest assessed against the fee. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.