Auto Loan
Getting the car of your dreams matters.
Today’s Auto Loan Rates
New and Used Auto Loans
Finding the perfect auto loan has never been easier. With some of the best auto loan rates around, and an easy application process, we are here to help you through every step of your car buying journey.
Take advantage of our competitive rates, flexible terms, and speedy application and approval process.
Refinance Your Auto Loan
Get out of a high-interest-rate loan elsewhere and save by refinancing with Great River. Our friendly Loan Officers will work with you to find a loan that meets your needs and your budget.
Up to 100% financing
Great rates with extended loan terms
Affordable Payments
Easy application process with loan pre-approval, so you can shop with confidence
Easy payment options with payroll deduction or automatic transfers from other accounts
Today’s Auto Loan Rates
Get pre-approved so you can shop with confidence
Estimate your costs with a car loan calculator*
*This is not a quoting tool. To get your customized quote, you must apply.
Auto Loan Rates
| Type | APR | Term |
|---|---|---|
New Auto + | APR1 | Term |
| New Auto | 3.99% | 24 Months |
| New Auto | 5.99% | 36 Months |
| New Auto | 6.24% | 48 Months |
| New Auto | 6.49% | 60 Months |
| New Auto | 6.74% | 72 Months |
| New Auto | 6.99% | 84 Months |
Used Auto | APR1 | Term |
| Used Auto | 5.74% | 24 Months |
| Used Auto | 6.24% | 36 Months |
| Used Auto | 6.49% | 48 Months |
| Used Auto | 6.74% | 60 Months |
| Used Auto | 6.99% | 72 Months |
| Used Auto | 7.24% | 84 Months |
Used Auto++ | APR1 | Term |
| Used Auto | 6.49% | 24 Months |
| Used Auto | 6.99% | 36 Months |
| Used Auto | 7.24% | 48 Months |
| Used Auto | 7.49% | 60 Months |
| Used Auto | 7.74% | 72 Months |
| Used Auto | 7.99% | 84 Months |
1APR is Annual Percentage Rate. Subject to credit approval. The rates listed assume automatic payment methods and are for new loans to GRFCU. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details. An example of payment is: An example of payment is: 6.49% APR over 60 months would be $19.56 per $1,000.00 borrowed. Rates are subject to change at any time without notice.
+Current or prior model year collateral that has never been titled and has less than 12,000 miles.
++Maximum 100% LTV. Classic means not a daily driven or year-round usage. Collector is collateral 1980 and older. Antique is 1900-1979. All are subject to further review by our team.
Have a vehicle that is already paid for?
Use the equity in your vehicle as collateral and take advantage of our low auto loan rates! Use that cash for the purchase of a boat or camper, home improvements, or anything your heart desires.
Protection Plans
Mechanical Repair Coverage
A breakdown can be troubling enough without the added worry of expensive repairs. That’s why we’re pleased to bring you Mechanical Repair Coverage that works at any authorized repair facility in the U.S. or Canada.
Guaranteed Asset Protection (GAP)
Bridge the gap between what you owe and what your insurance company will cover in the event of damages to or loss of your vehicle, with additional coverage.
Debt Protection
Life is unpredictable, but your finances don’t have to be. In the case of unplanned events such as death, disability, or involuntary unemployment, our debt protection program may cancel your loan balance or monthly payments without penalty or added interest.
Interested in a Protection Plan?
Speak with a Loan Officer today by emailing [email protected] or give them a call at 320.252.5393.
Ways to Apply for an Auto Loan.
For Introverts
We understand that sometimes humaning is hard, or your schedule doesn’t allow you to go to a branch. That’s why we make it easy to apply for a loan online.
For Extroverts
Sometimes a face-to-face conversation is ideal, or maybe you just want to get out of the house. Visit any of our locations to apply for an auto loan.
For Ambiverts
Open your account with Great River Go Live-video chat with your smart phone or computer. Speak with our Member Advisors in real time anywhere you go!
Set up Automatic Payments on your Loan
Fill out your Auto Payment Form.
*Upon completion of this form, please email it to
[email protected] or drop it off at any of our locations. We encourage members use an encrypted email system (like this one here), mail, or drop off the form.
Verify and provide proof of insurance
As part of your loan obligation, you are required to maintain physical damage insurance for the term of your loan. If you’ve received a request from us for a copy of your insurance, click the button below.
Apply for an auto loan today!
Auto Insurance
It can be hard to find the best auto insurance, but the team at TruStage® is here to help!
Search for Vehicles
Find vehicles near you that suit your needs and budget.
BECOME A MEMBER
Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!