Auto Loans in MN

Whether you’re looking for a new or used car, truck, motorcycle or van, we have an auto loan that will work for your needs & budget! Pre-approved auto loan options also available. 

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Go wherever the road takes you with a Northwoods Credit Union Auto Loan

To apply, you must be eligible for membership at Northwoods Credit Union. Please review our membership criteria before continuing.

Our Auto Loan Calculator: Plan Your Payments with Ease

No Application Fees Northwoods Credit Union

No application or processing fees with our auto loans

Financing with Northwoods Credit Union

Up to 125% financing on new autos for qualified members

NADA Financing Northwoods Credit Union

Up to 125% financing of NADA average retail value on used autos for qualified members

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Terms up to 84 months, depending on auto loan amount, credit, and year of car

Extended Warranties Northwoods Credit Union

GAP, Warranties & Debt Protection Available

Debt Protection

Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances. Download our info packet to learn more.

GAP Coverage

GAP coverage can help fill the gap between what your vehicle’s insurance pays and what you owe on your loan to help cushion you against sudden expenses if your vehicle is totaled. Download our info packet to learn more.

Credit Union Auto Loan Rates in Northern Minnesota – Find Yours Now!

We offer competitive auto loan rates across Northern Minnesota, with branch locations in Cloquet, Moose Lake, and Floodwood. Whether you’re looking for a new truck or car, our local team is here to help you find the best financing option for your needs. Get personalized service and great rates at any of our branches or right here online.

Ready to see how much you could save? Check out our auto loan rates or use our financial calculator to estimate your monthly payments.

Northwoods Credit Union Auto Loans: Real Member Feedback

We make it easy to get behind the wheel with a credit union you can trust.

Drive Off Smarter with Credit Union Auto Loan Guidance

Explore articles designed to help you make smart choices with your next auto loan or auto loan refinance through Northwoods Credit Union.

Understanding Minnesota Credit Union Auto Loan Rates

Explore Minnesota credit union auto loan rates with Northwoods Credit Union. Learn what impacts your rate and use our calculator to estimate payments. 2025/2026.

How to Refinance an Auto Loan: What You Need to Know

Find out how to refinance an auto loan and get a better rate. Northwoods Credit Union makes auto loan refinance simple for Cloquet and Moose Lake locals.

Steps to Refinance a Car Loan with Bad Credit

Learn how to refinance a car loan with bad credit. Explore steps to improve terms and see if refinancing with Northwoods Credit Union is right for you.

Auto Loan Rates in Minnesota: Find the Best Rate Today

Find the best auto loan rates in Minnesota with Northwoods Credit Union. Get competitive rates, flexible terms, and local service.

Steps to Get an Auto Loan With Bad Credit and No Money Down

Looking for bad credit auto loans? Learn steps to boost your credit and find a credit union auto loan near me options with low or no down payment. Read now.

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