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Auto Loans

Find Your Rate. Find Your Car. Drive Happy.

Quick approvals and competitive rates as low as 4.99% APR*

Apply for an auto loan
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Rates as low as 4.99% APR*

Explore some of the most competitive interest rates in the market to suit your budget.

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Flexible terms

Choose from a variety of repayment terms designed to fit your financial situation.

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Get pre-approved

Enjoy fast approvals so you can secure your vehicle without delay.

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Lower your monthly payments

Refinance up to 100% of a different loan.

Estimate your monthly payment

Calculations do not guarantee credit approval.
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Monthly Payment

Loan Amount
$
Rate
%
Term Months
Apply for an auto loan

This calculation represents an estimate.

Why Choose Our Auto Loans

I have been with this credit union for 20 years, and have had multiple loans. This particular loan was an easy in and out friendly process!
Michelle
I saved $175/month refinancing my car loan. The whole process took less than a day!
Alex
I was concerned about my credit history affecting my options. The loan specialist explained everything clearly and helped me find a rate that worked with my budget.
Sarah

Get Pre-Approved

Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend.

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Apply Online

Get pre-approved by applying online it only takes 5 minutes.

Apply for an auto loan

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Apply by Calling

Apply over the phone with a friendly member specialist.

Call us

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Apply in Person

Apply from a cozy lobby at any of our branches.

Come see us

Frequently Asked Questions

  • Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.

  • Ten days after your loan is paid in full we will send you the title/lien card. Lien cards should be kept with the title of your vehicle.

  • If you ever have questions about whether a loan type applies to your specific situation or project, please get in touch with us! We’d love to talk through it with you.

    • Use our online Loan Payment Center
    • Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
    • Mail a check to any of our 3 branches
    • Set up a payment with Bill Pay through our Online Banking from your primary financial account
    • Account to Account electronic transfers – If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
    • Set up an ACH transfer with your primary financial directly to your Centricity loan
    • Set up automatic payments from your Centricity account directly to your loan
    • Use Online Banking to make a payment

    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733.

  • Use the following link to check your application status online.

Your New Car Is Waiting.

Let's make it happen today

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Rates

Apply for an auto loan

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: February 14, 2026

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

APR = Annual Percentage Rate. To apply, view our loans page.

Used Vehicle Loan Rates

Rates effective as of: February 14, 2026

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

APR = Annual Percentage Rate.

Vehicles > 8 years add 2.00% to rate

Mileage between 120,000 - 150,000 add .50% to rate
Mileage between 150,001 - 179,999 add 1.00% to rate
Mileage at or over 180,000 add 1.50% to rate

Apply for an auto loan

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