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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

Rates as low as 4.99% APR*

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

Flexible terms

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

Get pre-approved

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

Lower your monthly payments

Refinance up to 100% of a different loan.

Estimate your monthly payment

Calculations do not guarantee credit approval.
View rates

Monthly Payment

Loan Amount

Rate

Term Months

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!

I saved $175/month refinancing my car loan. The whole process took less than a day!

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.

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.

Apply Online

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

Apply for an auto loan

Apply by Calling

Apply over the phone with a friendly member specialist.

Call us

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

Apply for an auto loan

Rates

Apply for an auto loan

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: June 15, 2025

Used Vehicle Loan Rates

Rates effective as of: June 15, 2025

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

Find Your Rate. Find Your Car. Drive Happy.

Rates as low as 4.99% APR*

Flexible terms

Get pre-approved

Lower your monthly payments

Estimate your monthly payment

Why Choose Our Auto Loans

Get Pre-Approved

Apply Online

Apply by Calling

Apply in Person

Frequently Asked Questions

Your New Car Is Waiting.

Not a Member, Yet?

Already a Member?