Minnco's competitive loan rates, affordable terms, and friendly staff all add up to a great lending experience. At Minnco, we're ready to help you realize your goals and make your dreams become reality.


To make the loan process easier, we offer day, evening and weekend hours. You may also apply online in the comfort and convenience of your home or office!


Minnco offers consumer loan discounts to members based on the products and services you select at Minnco. Ask one of our loan officers for complete details.

Auto Loans
Whether you're looking for a new or used car, truck or van, Minnco Credit Union has a loan to fit your needs. Minnco extends new car rates to used cars with less than 100,000 miles, can finance 100% of your purchase price, and offers up to 72 month financing for qualified applicants. Minnco also offers low-cost credit life and disability protection and affordable GAP coverage and mechanical breakdown coverage.

Big Toy Loans
Motorcycles, ATVs, Boats, Trailers, RVs. If you're looking to buy a "big toy," you've come to the right place! Financing with Minnco can save you hundreds over dealer financing. If you've already financed your toy, call us and see if we can save you money by refinancing. Most dealer loans come with an attractive rate for a short term; after the promotional period ends, reality hits. Why pay 17%, 13% or even 8%? Save money when you finance with Minnco!

Minnco also offers personal loans, secured and unsecured loans, Christmas Cash loans, vacation loans, education loans and much more!

Student Loans
The Smart Option Student Loan® for Minnco by Sallie Mae®
For borrowers attending degree-grating institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibiliy
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.