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 them 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

Add Extra Protection


Before driving off the lot, lock in your vehicle’s value with Depreciation Protection Waiver.

Extended Warranty

Be prepared for breakdowns, and get all kinds of benefits with an extended warranty.


In case of an accident or theft, supplement your regular coverage with Guaranteed Asset Protection.

Other Loan Protections

Choose any combination of extra help with disability, life, and/or unemployment loan protections.

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


* Payment Example: A loan for 84 months at 5.49% APR will result in an approximate monthly payment of $14.37 per $1,000 borrowed.