Auto Loans

Simple. Fast. Convenient.

Whether you need a new or used car, truck or van, Minnesota Valley can put you behind the wheel with an auto loan. Minnesota Valley offers flexible terms and competitive rates requiring little or no down payment. A variety of repayment options are available. In most cases, we can pre-approve your loan and have the funds available the same day.  Apply today.

Black Woman Buying New Car
Couple Buying Car
Buying a Car

Why Get Pre-Approved?

No matter what kind of vehicle you are buying, it's smart to get pre-approved before you shop to make your buying experience as easy and stress free as possible. We can pre-approve you and find a monthly payment that fits your needs.  The best way to start is to Apply today

Showing Off Car Keys

Know Your Vehicles Value

When shopping for a new or used vehicle you always want to have an idea of your trade in value as well as the value of the vehicle you're looking to purchase.  Most dealerships will use either JD POWER or KBB (Kelly Blue Book).

Buying a Car and Getting the Keys

Bridge the GAP

Protect your loan with GAP Plus from MVFCU. GAP (Guaranteed Asset Protection) covers any deficiency balances in the event your vehicle is damaged and declared a total loss.  GAP Plus from MVFCU also gives you $1,000 towards the purchase of your next vehicle.  This great product is available at MVFCU for only $395. See a Loan Officer for details.

AUTO LOANS      
New Vehicles (Titled in the last 6 months) 
TermPayment Example AmountAPR*Payment
36 months$8,500 as low as 5.49%$256.63
48 months$10,000 as low as 5.74%$233.66
60 months$15,000 as low as 6.00%$291.67
72 months$20,000 as low as 6.24%$333.73
84 months$25,000 as low as 6.49%$371.11
96 months30,000as low as 6.99%$408.86
Used Vehicles 2019 to 2023
TermPayment Example AmountAPRPayment
36 months$8,500 as low as 5.74%$257.59
48 months$10,000 as low as 6.00%$234.80
60 months$15,000 as low as 6.24%$291.67
72 months$20,000 as low as 6.49%$336.10
Used Vehicles 2014 to 2018
TermPayment Example AmountAPRPayment
36 months$8,500 as low as 6.24%$259.51
48 months$10,000 as low as 6.49%$237.10
60 months$15,000 as low as 6.74%$295.18
72 months$20,000 as low as 6.99%$340.88
Used Vehicles 10 Years & Older
48 months $8,500 7.49%$205.48
60 months$10,000 7.74%$201.52