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Auto Loan

Getting the car of your dreams matters.

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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


New Auto +

As Low As


New Auto2.24%24 Months
New Auto2.49%36 Months
New Auto2.74%48 Months
New Auto2.99%60 Months
New Auto3.24%72 Months
New Auto3.49%84 Months

Used Auto

As Low As


Used Auto2.49%24 Months
Used Auto2.74%36 Months
Used Auto2.99%48 Months
Used Auto3.24%60 Months
Used Auto3.49%72 Months
Used Auto3.74%84 Months

Used Auto++
Older Than 2017

As Low As


Used Auto3.24%24 Months
Used Auto3.49%36 Months
Used Auto3.74%48 Months
Used Auto3.99%60 Months
Used Auto4.24%72 Months
Used Auto4.49%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.   Loan amounts will be determined by income and other factors, including collateral details.  An example of payment is:  2.99% APR over 60 months would be $17.96 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

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Protect your vehicle by adding a warranty. Route 66 Extended Warranty has a complete line of coverage designed to keep your vehicle and power sports on the road. Even the most reliable vehicle can develop a mechanical problem. 

    GAP Icon

    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.

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    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!

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    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.

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    Apply for an auto loan today!


    We provide a CARFAX Vehicle History Report to help protect our members.

    Search for Vehicles

    Find vehicles near you that suit your needs and budget.


    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!