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Drive Your Dream Car
with an Affordable Auto Loan.

Low rates, flexible terms, and fast approval. Apply online in minutes!

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Find the Right Auto Loan for You

Explore our competitive rates for financing your new vehicle. With flexible terms and low APRs, we make it easy to get behind the wheel of your dream car.

Rates effective as of: February 21, 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. To apply, view our loans page.

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These rates apply exclusively to new vehicle loans. Looking for used vehicle or refinancing options?
See additional rates and terms.

Get Behind the Wheel with Confidence

Buying a car should be simple, empowering, and tailored to your needs. With a streamlined application process, trusted service, and pre-approval options, you can focus on finding the perfect vehicle—while we take care of the rest.

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Quick and Hassle-Free:

Start your application in minutes and get on the road faster.

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Pre-Approval Made Simple:

Know exactly what you can afford before you shop.

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Flexible Loan Options:

Choose a payment plan that fits your life, with no early repayment penalties.

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Refinancing Made Easy:

Save money by refinancing up to 100% of your current loan.

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Personalized Support:

Get expert guidance every step of the way.

Your Journey Starts Here

Take the first step toward driving the car you deserve. With low rates, flexible options, and expert support, it’s easier than ever to turn your plans into reality.

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Trusted for 20 Years, Loved for Our Simplicity

“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

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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.

Let us help you get to your destination.

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Rates

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: February 21, 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. To apply, view our loans page.

Used Vehicle Loan Rates

Rates effective as of: February 21, 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

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Rates effective as of: February 21, 2025

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